<?xml version="1.0" encoding="UTF-8"?>
<rss xmlns:itunes="http://www.itunes.com/dtds/podcast-1.0.dtd" xmlns:atom="http://www.w3.org/2005/Atom" xmlns:podcast="https://podcastindex.org/namespace/1.0" xmlns:media="http://search.yahoo.com/mrss/" version="2.0"><channel><title>10 Minute Money</title><link>https://www.spreaker.com/show/10-minute-money</link><description><![CDATA[Ever wonder how your investments work? Each episode we explain how your investments work in 10 minutes. We also have some great tips to help you use every penny wisely.]]></description><atom:link href="https://www.spreaker.com/show/3357280/episodes/feed" rel="self" type="application/rss+xml"/><language>en</language><category>Business</category><copyright>Copyright Royal Oak Financial Advisors</copyright><image><url>https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/34876115a096d1a9f5beb483b6e843e3.jpg</url><title>10 Minute Money</title><link>https://www.spreaker.com/show/10-minute-money</link></image><lastBuildDate>Mon, 15 Jun 2026 19:03:50 +0000</lastBuildDate><itunes:author>Royal Oak Financial Advisors</itunes:author><itunes:owner><itunes:name>Royal Oak Financial Advisors</itunes:name><itunes:email>john@royaloakfinancialadvisors.com</itunes:email></itunes:owner><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/34876115a096d1a9f5beb483b6e843e3.jpg"/><itunes:subtitle>Ever wonder how your investments work? Each episode we explain how your investments work in 10 minutes. We also have some great tips to help you use every penny wisely.</itunes:subtitle><itunes:summary><![CDATA[Ever wonder how your investments work? Each episode we explain how your investments work in 10 minutes. We also have some great tips to help you use every penny wisely.]]></itunes:summary><itunes:category text="Business"/><itunes:explicit>false</itunes:explicit><itunes:type>episodic</itunes:type><item><title>Episode 74: June Market Update and SpaceX IPO</title><link>https://www.spreaker.com/episode/episode-74-june-market-update-and-spacex-ipo--72539380</link><description><![CDATA[This month John and Paul discuss the SpaceX IPO and the affect it could have on the market.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/72539380</guid><pubDate>Mon, 15 Jun 2026 19:03:19 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/72539380/june_market_update_and_spacex_ipo.mp3" length="10696455" type="audio/mpeg"/><itunes:author>Royal Oak Financial Advisors</itunes:author><itunes:subtitle>This month John and Paul discuss the SpaceX IPO and the affect it could have on the market.</itunes:subtitle><itunes:summary><![CDATA[This month John and Paul discuss the SpaceX IPO and the affect it could have on the market.]]></itunes:summary><itunes:duration>669</itunes:duration><itunes:keywords>finance,investing,ipo,spacex</itunes:keywords><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/34876115a096d1a9f5beb483b6e843e3.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Episode 73: Understanding Market Uncertainty and Tips for First-Time Home Buyers</title><link>https://www.spreaker.com/episode/episode-73-understanding-market-uncertainty-and-tips-for-first-time-home-buyers--71926653</link><description><![CDATA[This month, John and Paul delve into how the recent financial markets have exhibited considerable unpredictability, leaving many investors uncertain about the best course of action. We explore the nature of this volatility and emphasize why maintaining a steady presence in the market remains a crucial strategy for long-term success.<br /><br />John and Paul also share valuable advice for those embarking on the journey to buy their first home. Their discussion underscores how challenging it has become to foresee market trends, especially in an environment shaped by fluctuating interest rates, economic shifts, and supply constraints.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/71926653</guid><pubDate>Fri, 08 May 2026 18:11:43 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/71926653/understanding_market_uncertainty_and_tips_for_first_time_home_buyers.mp3" length="12827629" type="audio/mpeg"/><itunes:author>Royal Oak Financial Advisors</itunes:author><itunes:subtitle>This month, John and Paul delve into how the recent financial markets have exhibited considerable unpredictability, leaving many investors uncertain about the best course of action. We explore the nature of this volatility and emphasize why...</itunes:subtitle><itunes:summary><![CDATA[This month, John and Paul delve into how the recent financial markets have exhibited considerable unpredictability, leaving many investors uncertain about the best course of action. We explore the nature of this volatility and emphasize why maintaining a steady presence in the market remains a crucial strategy for long-term success.<br /><br />John and Paul also share valuable advice for those embarking on the journey to buy their first home. Their discussion underscores how challenging it has become to foresee market trends, especially in an environment shaped by fluctuating interest rates, economic shifts, and supply constraints.]]></itunes:summary><itunes:duration>802</itunes:duration><itunes:keywords>finance,home,markets</itunes:keywords><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/34876115a096d1a9f5beb483b6e843e3.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Episode 72: BDC's, REIT's and Market Turmoil</title><link>http://www.royaloakfinancialadvisors.com/</link><description><![CDATA[<b>Understanding the Pitfalls of BDCs and REITs Amid Market Downturns</b><br />This week, we delve into the complexities and inherent risks associated with Business Development Companies (BDCs) and Real Estate Investment Trusts (REITs). Against the backdrop of a declining market, they explore practical strategies investors can adopt to navigate these turbulent times with greater confidence and resilience. <br /><b></b><br /><b>Market Downturns and Investor Responses</b><br />We also delve into the complexities of market downturns and explore practical strategies investors can adopt when the market experiences a decline. This will help you to navigate turbulent financial times with confidence and prudence.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/70412880</guid><pubDate>Tue, 03 Mar 2026 16:23:40 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/70412880/bdc_s_reit_s_amd_market_turmoil.mp3" length="16370251" type="audio/mpeg"/><itunes:author>Royal Oak Financial Advisors</itunes:author><itunes:subtitle>Understanding the Pitfalls of BDCs and REITs Amid Market Downturns
This week, we delve into the complexities and inherent risks associated with Business Development Companies (BDCs) and Real Estate Investment Trusts (REITs). Against the backdrop of a...</itunes:subtitle><itunes:summary><![CDATA[<b>Understanding the Pitfalls of BDCs and REITs Amid Market Downturns</b><br />This week, we delve into the complexities and inherent risks associated with Business Development Companies (BDCs) and Real Estate Investment Trusts (REITs). Against the backdrop of a declining market, they explore practical strategies investors can adopt to navigate these turbulent times with greater confidence and resilience. <br /><b></b><br /><b>Market Downturns and Investor Responses</b><br />We also delve into the complexities of market downturns and explore practical strategies investors can adopt when the market experiences a decline. This will help you to navigate turbulent financial times with confidence and prudence.]]></itunes:summary><itunes:duration>1024</itunes:duration><itunes:keywords>bdc's,investing,market,reit's</itunes:keywords><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/34876115a096d1a9f5beb483b6e843e3.jpg"/><itunes:episode>72</itunes:episode><itunes:episodeType>full</itunes:episodeType></item><item><title>Episode 71: 2026 Market Outlook and Education Savings Podcast</title><link>https://www.spreaker.com/episode/episode-71-2026-market-outlook-and-education-savings-podcast--69310550</link><description><![CDATA[Market Outlook for 2026<br />Paul and John share their perspectives on where the markets may be headed in the coming year. They explore potential economic trends, investor sentiment, and the factors that could shape financial opportunities in 2026.<br />🏦 Federal Reserve Leadership Changes<br />They also examine the upcoming transition in the Federal Reserve chair. Leadership shifts at the Fed often signal changes in monetary policy direction, and Paul and John break down what this could mean for interest rates and broader market stability.<br />🎓 Education Savings Accounts<br />Finally, they highlight the advantages of education plan savings accounts. From tax benefits to long‑term growth potential, they discuss how these accounts can help families prepare for future education costs.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/69310550</guid><pubDate>Mon, 05 Jan 2026 21:03:36 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/69310550/2026_market_outlook_and_education_savings_podcast.mp3" length="18029967" type="audio/mpeg"/><itunes:author>Royal Oak Financial Advisors</itunes:author><itunes:subtitle>Market Outlook for 2026
Paul and John share their perspectives on where the markets may be headed in the coming year. They explore potential economic trends, investor sentiment, and the factors that could shape financial opportunities in 2026.
🏦...</itunes:subtitle><itunes:summary><![CDATA[Market Outlook for 2026<br />Paul and John share their perspectives on where the markets may be headed in the coming year. They explore potential economic trends, investor sentiment, and the factors that could shape financial opportunities in 2026.<br />🏦 Federal Reserve Leadership Changes<br />They also examine the upcoming transition in the Federal Reserve chair. Leadership shifts at the Fed often signal changes in monetary policy direction, and Paul and John break down what this could mean for interest rates and broader market stability.<br />🎓 Education Savings Accounts<br />Finally, they highlight the advantages of education plan savings accounts. From tax benefits to long‑term growth potential, they discuss how these accounts can help families prepare for future education costs.]]></itunes:summary><itunes:duration>1127</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/34876115a096d1a9f5beb483b6e843e3.jpg"/><itunes:episode>71</itunes:episode><itunes:episodeType>full</itunes:episodeType></item><item><title>Episode 70: Your 2025 Year End Financial Checklist</title><link>https://www.spreaker.com/episode/episode-70-your-2025-year-end-financial-checklist--68682596</link><description><![CDATA[This week, John and Paul share practical year-end strategies you can use to strengthen your finances and start the new year on the right foot.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/68682596</guid><pubDate>Fri, 21 Nov 2025 18:55:31 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/68682596/2025_year_end_financial_checklist.mp3" length="12621575" type="audio/mpeg"/><itunes:author>Royal Oak Financial Advisors</itunes:author><itunes:subtitle>This week, John and Paul share practical year-end strategies you can use to strengthen your finances and start the new year on the right foot.</itunes:subtitle><itunes:summary><![CDATA[This week, John and Paul share practical year-end strategies you can use to strengthen your finances and start the new year on the right foot.]]></itunes:summary><itunes:duration>789</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/34876115a096d1a9f5beb483b6e843e3.jpg"/><itunes:episode>70</itunes:episode><itunes:episodeType>full</itunes:episodeType></item><item><title>Episode 69: This Is Why We Stay Invested</title><link>https://www.spreaker.com/episode/episode-69-this-is-why-we-stay-invested--67482217</link><description><![CDATA[This week John and Paul look back at the turbulence we saw in April and talk about why it is so important to stay invested in stocks long term. ]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/67482217</guid><pubDate>Fri, 22 Aug 2025 18:44:05 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/67482217/august_2025_stay_invested_podcast.mp3" length="14068132" type="audio/mpeg"/><itunes:author>Royal Oak Financial Advisors</itunes:author><itunes:subtitle>This week John and Paul look back at the turbulence we saw in April and talk about why it is so important to stay invested in stocks long term. </itunes:subtitle><itunes:summary><![CDATA[This week John and Paul look back at the turbulence we saw in April and talk about why it is so important to stay invested in stocks long term. ]]></itunes:summary><itunes:duration>880</itunes:duration><itunes:keywords>bonds,finance,investing,money,stocks</itunes:keywords><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/34876115a096d1a9f5beb483b6e843e3.jpg"/><itunes:episode>69</itunes:episode><itunes:episodeType>full</itunes:episodeType></item><item><title>Episode 68: Bonds Are Fun Again!</title><link>https://www.spreaker.com/episode/episode-68-bonds-are-fun-again--66342918</link><description><![CDATA[ John and Paul recap the last month's rollercoaster and explain how high-quality dividend stocks and the resurgent bond market can help protect your portfolio. Listen now! ]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/66342918</guid><pubDate>Fri, 30 May 2025 18:48:10 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/66342918/bonds_are_fun_again.mp3" length="19746943" type="audio/mpeg"/><itunes:author>Royal Oak Financial Advisors</itunes:author><itunes:subtitle> John and Paul recap the last month's rollercoaster and explain how high-quality dividend stocks and the resurgent bond market can help protect your portfolio. Listen now! </itunes:subtitle><itunes:summary><![CDATA[ John and Paul recap the last month's rollercoaster and explain how high-quality dividend stocks and the resurgent bond market can help protect your portfolio. Listen now! ]]></itunes:summary><itunes:duration>1235</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/34876115a096d1a9f5beb483b6e843e3.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Episode 67: Tariffs and why we are built for this</title><link>https://www.spreaker.com/episode/episode-67-tariffs-and-why-we-are-built-for-this--65196380</link><description><![CDATA[This week John and Paul discuss tariffs and why owning dividend stocks and bonds can help when it comes to tariff concerns.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/65196380</guid><pubDate>Fri, 28 Mar 2025 19:29:10 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/65196380/we_are_built_for_this.mp3" length="11429137" type="audio/mpeg"/><itunes:author>Royal Oak Financial Advisors</itunes:author><itunes:subtitle>This week John and Paul discuss tariffs and why owning dividend stocks and bonds can help when it comes to tariff concerns.</itunes:subtitle><itunes:summary><![CDATA[This week John and Paul discuss tariffs and why owning dividend stocks and bonds can help when it comes to tariff concerns.]]></itunes:summary><itunes:duration>715</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/34876115a096d1a9f5beb483b6e843e3.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Episode 66: Tariff Concern</title><link>https://www.spreaker.com/episode/episode-66-tariff-concern--64497378</link><description><![CDATA[This month Paul and John discuss how U.S. Tariffs could affect your portfolio.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/64497378</guid><pubDate>Fri, 21 Feb 2025 16:45:07 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/64497378/tariff_podcast_2_2025.mp3" length="13073389" type="audio/mpeg"/><itunes:author>Royal Oak Financial Advisors</itunes:author><itunes:subtitle>This month Paul and John discuss how U.S. Tariffs could affect your portfolio.</itunes:subtitle><itunes:summary><![CDATA[This month Paul and John discuss how U.S. Tariffs could affect your portfolio.]]></itunes:summary><itunes:duration>818</itunes:duration><itunes:keywords>investing,market,money,stocks,tariffs</itunes:keywords><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/34876115a096d1a9f5beb483b6e843e3.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Episode 65: Getting Your Financial House In Order For 2025</title><link>https://www.spreaker.com/episode/episode-65-getting-your-financial-house-in-order-for-2025--63548097</link><description><![CDATA[This month's podcast features Paul and John discussing strategies for improving your financial situation in 2025.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/63548097</guid><pubDate>Thu, 02 Jan 2025 19:24:49 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/63548097/getting_your_financial_house_in_order_for_2025.mp3" length="19302235" type="audio/mpeg"/><itunes:author>Royal Oak Financial Advisors</itunes:author><itunes:subtitle>This month's podcast features Paul and John discussing strategies for improving your financial situation in 2025.</itunes:subtitle><itunes:summary><![CDATA[This month's podcast features Paul and John discussing strategies for improving your financial situation in 2025.]]></itunes:summary><itunes:duration>1207</itunes:duration><itunes:keywords>finance,money,stocks</itunes:keywords><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/34876115a096d1a9f5beb483b6e843e3.jpg"/><itunes:episode>65</itunes:episode><itunes:episodeType>full</itunes:episodeType></item><item><title>Episode 64: October 2024 Market Update</title><link>https://www.spreaker.com/episode/episode-64-october-2024-market-update--62180108</link><description><![CDATA[This week, John and Paul have a compelling discussion on the recent decision by the Federal Reserve to cut interest rates and its subsequent effects on the market. They delve into how this strategic move has influenced market trends, investor sentiment, and overall economic outlook.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/62180108</guid><pubDate>Tue, 01 Oct 2024 15:08:04 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/62180108/october_2024_market_update_podcast.mp3" length="10767508" type="audio/mpeg"/><itunes:author>Royal Oak Financial Advisors</itunes:author><itunes:subtitle>This week, John and Paul have a compelling discussion on the recent decision by the Federal Reserve to cut interest rates and its subsequent effects on the market. They delve into how this strategic move has influenced market trends, investor...</itunes:subtitle><itunes:summary><![CDATA[This week, John and Paul have a compelling discussion on the recent decision by the Federal Reserve to cut interest rates and its subsequent effects on the market. They delve into how this strategic move has influenced market trends, investor sentiment, and overall economic outlook.]]></itunes:summary><itunes:duration>673</itunes:duration><itunes:keywords>investing,market,stocks</itunes:keywords><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/34876115a096d1a9f5beb483b6e843e3.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Episode 62: Market Sell-Off Update for August 2024</title><link>https://www.spreaker.com/episode/episode-62-market-sell-off-update-for-august-2024--60929447</link><description><![CDATA[This week John and Paul talk about the big sell-off in the market over the past week.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/60929447</guid><pubDate>Mon, 05 Aug 2024 20:50:20 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/60929447/market_sell_off_update_august_2024.mp3" length="10688096" type="audio/mpeg"/><itunes:author>Royal Oak Financial Advisors</itunes:author><itunes:subtitle>This week John and Paul talk about the big sell-off in the market over the past week.</itunes:subtitle><itunes:summary><![CDATA[This week John and Paul talk about the big sell-off in the market over the past week.]]></itunes:summary><itunes:duration>668</itunes:duration><itunes:keywords>finance,market,stocks</itunes:keywords><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/34876115a096d1a9f5beb483b6e843e3.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Episode 61: July 2024 Bond Market</title><link>https://www.spreaker.com/episode/episode-61-july-2024-bond-market--60742487</link><description><![CDATA[This week John and Paul discuss the bond market and what impact it has on your portfolio.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/60742487</guid><pubDate>Fri, 19 Jul 2024 14:54:26 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/60742487/july_2024_bond_market_podcast.mp3" length="13960298" type="audio/mpeg"/><itunes:author>Royal Oak Financial Advisors</itunes:author><itunes:subtitle>This week John and Paul discuss the bond market and what impact it has on your portfolio.</itunes:subtitle><itunes:summary><![CDATA[This week John and Paul discuss the bond market and what impact it has on your portfolio.]]></itunes:summary><itunes:duration>873</itunes:duration><itunes:keywords>bonds,finance,market,stocks</itunes:keywords><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/34876115a096d1a9f5beb483b6e843e3.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Episode 60: June 2024 Bull Market Update</title><link>https://www.spreaker.com/episode/episode-60-june-2024-bull-market-update--60438652</link><description><![CDATA[This month Paul and John discuss what a bull market is. They also talk about the bull market that we are in currently and how long they think it will last.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/60438652</guid><pubDate>Wed, 19 Jun 2024 15:35:02 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/60438652/june_2024_bull_market_podcast.mp3" length="13452896" type="audio/mpeg"/><itunes:author>Royal Oak Financial Advisors</itunes:author><itunes:subtitle>This month Paul and John discuss what a bull market is. They also talk about the bull market that we are in currently and how long they think it will last.</itunes:subtitle><itunes:summary><![CDATA[This month Paul and John discuss what a bull market is. They also talk about the bull market that we are in currently and how long they think it will last.]]></itunes:summary><itunes:duration>841</itunes:duration><itunes:keywords>finance,investing,markets,money,stocks</itunes:keywords><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/34876115a096d1a9f5beb483b6e843e3.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Episode 59: May 2024 Market Update</title><link>https://www.spreaker.com/episode/episode-59-may-2024-market-update--60153119</link><description><![CDATA[This week John and Paul discuss what is on the horizon for the market for the rest of 2024. They also talk about NVDIA stock and the run it has had. ]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/60153119</guid><pubDate>Thu, 23 May 2024 17:58:52 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/60153119/may_2024_market_update_podcast.mp3" length="12211975" type="audio/mpeg"/><itunes:author>Royal Oak Financial Advisors</itunes:author><itunes:subtitle>This week John and Paul discuss what is on the horizon for the market for the rest of 2024. They also talk about NVDIA stock and the run it has had. </itunes:subtitle><itunes:summary><![CDATA[This week John and Paul discuss what is on the horizon for the market for the rest of 2024. They also talk about NVDIA stock and the run it has had. ]]></itunes:summary><itunes:duration>764</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/34876115a096d1a9f5beb483b6e843e3.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Episode 58: April 2024 Market Update</title><link>https://www.spreaker.com/episode/episode-58-april-2024-market-update--59441572</link><description><![CDATA[This week John and Paul talk about Inflation, gold and when to rebalance in a bull market.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/59441572</guid><pubDate>Fri, 12 Apr 2024 18:25:37 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/59441572/april_2024_market_update_podcast.mp3" length="13249768" type="audio/mpeg"/><itunes:author>Royal Oak Financial Advisors</itunes:author><itunes:subtitle>This week John and Paul talk about Inflation, gold and when to rebalance in a bull market.</itunes:subtitle><itunes:summary><![CDATA[This week John and Paul talk about Inflation, gold and when to rebalance in a bull market.]]></itunes:summary><itunes:duration>829</itunes:duration><itunes:keywords>finance,inflation,invest,market,money,rebalance</itunes:keywords><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/34876115a096d1a9f5beb483b6e843e3.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Episode 57: February 2024 Market Update</title><link>https://www.spreaker.com/episode/episode-57-february-2024-market-update--58766197</link><description><![CDATA[This week Paul and John talk about the start to the year that the market has had and what the outlook is for the coming months ahead. They also discuss how much you should be adding to your 401(k) to have enough saved for retirement.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/58766197</guid><pubDate>Wed, 21 Feb 2024 16:03:01 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/58766197/february_2024_market_update_podcast.mp3" length="14345657" type="audio/mpeg"/><itunes:author>Royal Oak Financial Advisors</itunes:author><itunes:subtitle>This week Paul and John talk about the start to the year that the market has had and what the outlook is for the coming months ahead. They also discuss how much you should be adding to your 401(k) to have enough saved for retirement.</itunes:subtitle><itunes:summary><![CDATA[This week Paul and John talk about the start to the year that the market has had and what the outlook is for the coming months ahead. They also discuss how much you should be adding to your 401(k) to have enough saved for retirement.]]></itunes:summary><itunes:duration>897</itunes:duration><itunes:keywords>401k,finance,money,savings</itunes:keywords><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/34876115a096d1a9f5beb483b6e843e3.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Episode 56: Our 2024 Market Outlook</title><link>https://www.spreaker.com/episode/episode-56-our-2024-market-outlook--58281006</link><description><![CDATA[This week Paul and John give their 2024 market outlook predictions.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/58281006</guid><pubDate>Fri, 12 Jan 2024 19:11:36 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/58281006/2024_market_outlook.mp3" length="14861836" type="audio/mpeg"/><itunes:author>Royal Oak Financial Advisors</itunes:author><itunes:subtitle>This week Paul and John give their 2024 market outlook predictions.</itunes:subtitle><itunes:summary><![CDATA[This week Paul and John give their 2024 market outlook predictions.]]></itunes:summary><itunes:duration>929</itunes:duration><itunes:keywords>2024,dividends,finance,market,stocks</itunes:keywords><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/34876115a096d1a9f5beb483b6e843e3.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Episode 55: Your 2023 Year End Financial Checklist</title><link>https://www.spreaker.com/episode/episode-55-your-2023-year-end-financial-checklist--57880339</link><description><![CDATA[This week John and Paul discuss some things you can do before the year ends to make sure your finances are in order.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/57880339</guid><pubDate>Fri, 01 Dec 2023 19:10:38 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/57880339/your_2023_year_end_financial_checklist.mp3" length="17898073" type="audio/mpeg"/><itunes:author>Royal Oak Financial Advisors</itunes:author><itunes:subtitle>This week John and Paul discuss some things you can do before the year ends to make sure your finances are in order.</itunes:subtitle><itunes:summary><![CDATA[This week John and Paul discuss some things you can do before the year ends to make sure your finances are in order.]]></itunes:summary><itunes:duration>1119</itunes:duration><itunes:keywords>finance,money,stock</itunes:keywords><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/34876115a096d1a9f5beb483b6e843e3.jpg"/><itunes:episode>55</itunes:episode><itunes:episodeType>full</itunes:episodeType></item><item><title>Episode 54: October 2023 Market Update</title><link>https://www.spreaker.com/episode/episode-54-october-2023-market-update--57277119</link><description><![CDATA[This week Paul and John discuss what may be behind the recent dip in the stock market.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/57277119</guid><pubDate>Tue, 17 Oct 2023 20:14:25 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/57277119/october_2023_market_update.mp3" length="12336688" type="audio/mpeg"/><itunes:author>Royal Oak Financial Advisors</itunes:author><itunes:subtitle>This week Paul and John discuss what may be behind the recent dip in the stock market.</itunes:subtitle><itunes:summary><![CDATA[This week Paul and John discuss what may be behind the recent dip in the stock market.]]></itunes:summary><itunes:duration>771</itunes:duration><itunes:keywords>finance,market,money</itunes:keywords><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/34876115a096d1a9f5beb483b6e843e3.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Episode 53: The Schwab/TD Ameritrade Merger Update</title><link>https://www.spreaker.com/episode/episode-53-the-schwab-td-ameritrade-merger-update--56740961</link><description><![CDATA[This week John and Paul discuss the Schwab/TD Ameritrade Merger. They also give their market outlook for the remainder of the year.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/56740961</guid><pubDate>Fri, 08 Sep 2023 20:26:03 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/56740961/schwab_td_merger_update.mp3" length="18981417" type="audio/mpeg"/><itunes:author>Royal Oak Financial Advisors</itunes:author><itunes:subtitle>This week John and Paul discuss the Schwab/TD Ameritrade Merger. They also give their market outlook for the remainder of the year.</itunes:subtitle><itunes:summary><![CDATA[This week John and Paul discuss the Schwab/TD Ameritrade Merger. They also give their market outlook for the remainder of the year.]]></itunes:summary><itunes:duration>1187</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/34876115a096d1a9f5beb483b6e843e3.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Episode 52: Are We In a New Bull Market?</title><link>https://www.spreaker.com/episode/episode-52-are-we-in-a-new-bull-market--56130171</link><description><![CDATA[This week John and Paul discuss how we may be in another Bull Market. They also discuss the TD Ameritrade, Charles Schwab merger that will be complete later in August.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/56130171</guid><pubDate>Mon, 17 Jul 2023 18:37:42 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/56130171/are_we_in_a_new_bull_market_and_the_schwab_td_ameritrade_merger.mp3" length="13499454" type="audio/mpeg"/><itunes:author>Royal Oak Financial Advisors</itunes:author><itunes:subtitle>This week John and Paul discuss how we may be in another Bull Market. They also discuss the TD Ameritrade, Charles Schwab merger that will be complete later in August.</itunes:subtitle><itunes:summary><![CDATA[This week John and Paul discuss how we may be in another Bull Market. They also discuss the TD Ameritrade, Charles Schwab merger that will be complete later in August.]]></itunes:summary><itunes:duration>844</itunes:duration><itunes:keywords>finance,market,money</itunes:keywords><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/34876115a096d1a9f5beb483b6e843e3.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Episode 51: Market Resilience and A.I.</title><link>https://www.spreaker.com/episode/episode-51-market-resilience-and-a-i--54113383</link><description><![CDATA[This week John and Paul discuss the resilience of the market so far this year and how A.I. has had an impact on the market.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/54113383</guid><pubDate>Tue, 06 Jun 2023 14:13:58 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/54113383/market_resilience_and_a_i.mp3" length="16685562" type="audio/mpeg"/><itunes:author>Royal Oak Financial Advisors</itunes:author><itunes:subtitle>This week John and Paul discuss the resilience of the market so far this year and how A.I. has had an impact on the market.</itunes:subtitle><itunes:summary><![CDATA[This week John and Paul discuss the resilience of the market so far this year and how A.I. has had an impact on the market.]]></itunes:summary><itunes:duration>1043</itunes:duration><itunes:keywords>a.i.,finance,market,money</itunes:keywords><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/34876115a096d1a9f5beb483b6e843e3.jpg"/><itunes:episode>51</itunes:episode><itunes:episodeType>full</itunes:episodeType></item><item><title>Episode 50: Fabulous 50!</title><link>https://www.spreaker.com/episode/episode-50-fabulous-50--53631679</link><description><![CDATA[This week John and Paul discuss dividend stocks, more inflation news and the debt ceiling. They are also joined by a very special guest.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/53631679</guid><pubDate>Mon, 24 Apr 2023 17:33:20 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/53631679/fabulous_50.mp3" length="17132347" type="audio/mpeg"/><itunes:author>Royal Oak Financial Advisors</itunes:author><itunes:subtitle>This week John and Paul discuss dividend stocks, more inflation news and the debt ceiling. They are also joined by a very special guest.</itunes:subtitle><itunes:summary><![CDATA[This week John and Paul discuss dividend stocks, more inflation news and the debt ceiling. They are also joined by a very special guest.]]></itunes:summary><itunes:duration>1071</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/34876115a096d1a9f5beb483b6e843e3.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Episode 49: Bank Crisis Special Update</title><link>https://www.spreaker.com/episode/episode-49-bank-crisis-special-update--53296662</link><description><![CDATA[This week John and Paul discuss the recent bank failure of SVB bank.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/53296662</guid><pubDate>Wed, 22 Mar 2023 14:45:09 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/53296662/bank_crisis_special_update.mp3" length="14613316" type="audio/mpeg"/><itunes:author>Royal Oak Financial Advisors</itunes:author><itunes:subtitle>This week John and Paul discuss the recent bank failure of SVB bank.</itunes:subtitle><itunes:summary><![CDATA[This week John and Paul discuss the recent bank failure of SVB bank.]]></itunes:summary><itunes:duration>914</itunes:duration><itunes:keywords>bank,crisis,finance,money</itunes:keywords><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/34876115a096d1a9f5beb483b6e843e3.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Episode 48: Inflation is here for a while</title><link>https://www.spreaker.com/episode/episode-48-inflation-is-here-for-a-while--52881966</link><description><![CDATA[This week Paul and John discuss inflation and the impact it has had on the housing market and your investments.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/52881966</guid><pubDate>Wed, 01 Mar 2023 19:47:46 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/52881966/inflation_is_here_for_a_while.mp3" length="18648712" type="audio/mpeg"/><itunes:author>Royal Oak Financial Advisors</itunes:author><itunes:subtitle>This week Paul and John discuss inflation and the impact it has had on the housing market and your investments.</itunes:subtitle><itunes:summary><![CDATA[This week Paul and John discuss inflation and the impact it has had on the housing market and your investments.]]></itunes:summary><itunes:duration>1166</itunes:duration><itunes:keywords>financial,inflation,investing,money</itunes:keywords><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/34876115a096d1a9f5beb483b6e843e3.jpg"/><itunes:episode>48</itunes:episode><itunes:episodeType>full</itunes:episodeType></item><item><title>Episode 47: 2022 Year In Review And 2023 Outlook</title><link>https://www.spreaker.com/episode/episode-47-2022-year-in-review-and-2023-outlook--52565089</link><description><![CDATA[This week John and Paul reflect on the causes of the market downturn in 2022 and look forward to what to expect in 2023.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/52565089</guid><pubDate>Fri, 27 Jan 2023 21:51:55 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/52565089/2022_year_in_review_and_2023_outlook.mp3" length="18151339" type="audio/mpeg"/><itunes:author>Royal Oak Financial Advisors</itunes:author><itunes:subtitle>This week John and Paul reflect on the causes of the market downturn in 2022 and look forward to what to expect in 2023.</itunes:subtitle><itunes:summary><![CDATA[This week John and Paul reflect on the causes of the market downturn in 2022 and look forward to what to expect in 2023.]]></itunes:summary><itunes:duration>1135</itunes:duration><itunes:keywords>finance,market,money</itunes:keywords><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/34876115a096d1a9f5beb483b6e843e3.jpg"/><itunes:episode>47</itunes:episode><itunes:episodeType>full</itunes:episodeType></item><item><title>Episode 46: Long Term Care Insurance Truthers</title><link>https://www.spreaker.com/episode/episode-46-long-term-care-insurance-truthers--52102525</link><description><![CDATA[This week John and Paul discuss the truth about Long Term Care insurance that insurance companies don't want you to know.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/52102525</guid><pubDate>Mon, 05 Dec 2022 19:16:33 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/52102525/long_term_care_insurance_podcast.mp3" length="11096201" type="audio/mpeg"/><itunes:author>Royal Oak Financial Advisors</itunes:author><itunes:subtitle>This week John and Paul discuss the truth about Long Term Care insurance that insurance companies don't want you to know.</itunes:subtitle><itunes:summary><![CDATA[This week John and Paul discuss the truth about Long Term Care insurance that insurance companies don't want you to know.]]></itunes:summary><itunes:duration>694</itunes:duration><itunes:keywords>finance,insurance,ltc,money</itunes:keywords><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/34876115a096d1a9f5beb483b6e843e3.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Episode 45: November 2022 Market Update</title><link>https://www.spreaker.com/episode/episode-45-november-2022-market-update--51779087</link><description><![CDATA[This week John and Paul discuss how the market did in October. The also break down the federal reserves recent rate hike and what it means for the market moving forward.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/51779087</guid><pubDate>Thu, 03 Nov 2022 19:49:37 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/51779087/november_2022_market_update.mp3" length="12819015" type="audio/mpeg"/><itunes:author>Royal Oak Financial Advisors</itunes:author><itunes:subtitle>This week John and Paul discuss how the market did in October. The also break down the federal reserves recent rate hike and what it means for the market moving forward.</itunes:subtitle><itunes:summary><![CDATA[This week John and Paul discuss how the market did in October. The also break down the federal reserves recent rate hike and what it means for the market moving forward.]]></itunes:summary><itunes:duration>802</itunes:duration><itunes:keywords>finance,investing,market</itunes:keywords><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/34876115a096d1a9f5beb483b6e843e3.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Episode 44: October 2022 Market Update</title><link>https://www.spreaker.com/episode/episode-44-october-2022-market-update--51529918</link><description><![CDATA[This week John and Paul discuss some of the factors that have sent the market down and what we can expect for the rest of 2022.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/51529918</guid><pubDate>Mon, 10 Oct 2022 19:20:19 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/51529918/october_2022_market_update.mp3" length="15578799" type="audio/mpeg"/><itunes:author>Royal Oak Financial Advisors</itunes:author><itunes:subtitle>This week John and Paul discuss some of the factors that have sent the market down and what we can expect for the rest of 2022.</itunes:subtitle><itunes:summary><![CDATA[This week John and Paul discuss some of the factors that have sent the market down and what we can expect for the rest of 2022.]]></itunes:summary><itunes:duration>974</itunes:duration><itunes:keywords>finance,investing,market</itunes:keywords><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/34876115a096d1a9f5beb483b6e843e3.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Episode 43: September 2022 Market Update</title><link>https://www.spreaker.com/episode/episode-43-september-2022-market-update--51107570</link><description><![CDATA[This week John and Paul talk about the factors that have caused this down year in the market. They also discuss how long they think we see this current downturn and where they see the market end of 2022.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/51107570</guid><pubDate>Thu, 01 Sep 2022 16:36:18 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/51107570/september_2022_market_update.mp3" length="17026612" type="audio/mpeg"/><itunes:author>Royal Oak Financial Advisors</itunes:author><itunes:subtitle>This week John and Paul talk about the factors that have caused this down year in the market. They also discuss how long they think we see this current downturn and where they see the market end of 2022.</itunes:subtitle><itunes:summary><![CDATA[This week John and Paul talk about the factors that have caused this down year in the market. They also discuss how long they think we see this current downturn and where they see the market end of 2022.]]></itunes:summary><itunes:duration>1065</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/34876115a096d1a9f5beb483b6e843e3.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Episode 42: Are We Already In A Recession?</title><link>https://www.spreaker.com/episode/episode-42-are-we-already-in-a-recession--50471428</link><description><![CDATA[This week John and Paul talk about whether we are already in a recession. They also discuss how long they think we see this current downturn in the market and where they see the market end the year.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/50471428</guid><pubDate>Tue, 05 Jul 2022 17:12:59 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/50471428/are_we_already_in_a_recession.mp3" length="13985541" type="audio/mpeg"/><itunes:author>Royal Oak Financial Advisors</itunes:author><itunes:subtitle>This week John and Paul talk about whether we are already in a recession. They also discuss how long they think we see this current downturn in the market and where they see the market end the year.</itunes:subtitle><itunes:summary><![CDATA[This week John and Paul talk about whether we are already in a recession. They also discuss how long they think we see this current downturn in the market and where they see the market end the year.]]></itunes:summary><itunes:duration>875</itunes:duration><itunes:keywords>finance,investing,money,recession</itunes:keywords><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/34876115a096d1a9f5beb483b6e843e3.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Episode 41: Markets in Decline</title><link>https://www.spreaker.com/episode/episode-41-markets-in-decline--49742082</link><description><![CDATA[This week John and Paul talk about the factors that have caused the current market pull back and how long we think it will last.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/49742082</guid><pubDate>Tue, 10 May 2022 13:46:01 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/49742082/markets_in_decline.mp3" length="14481671" type="audio/mpeg"/><itunes:author>Royal Oak Financial Advisors</itunes:author><itunes:subtitle>This week John and Paul talk about the factors that have caused the current market pull back and how long we think it will last.</itunes:subtitle><itunes:summary><![CDATA[This week John and Paul talk about the factors that have caused the current market pull back and how long we think it will last.]]></itunes:summary><itunes:duration>906</itunes:duration><itunes:keywords>finance,investing,market,money</itunes:keywords><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/34876115a096d1a9f5beb483b6e843e3.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Episode 40: How Your 401(k) Works</title><link>https://www.spreaker.com/episode/episode-40-how-your-401-k-works--49154083</link><description><![CDATA[Today John reviews how your 401(k) works and how you can get it to work for you.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/49154083</guid><pubDate>Tue, 22 Mar 2022 17:47:16 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/49154083/how_your_401_k_works.mp3" length="6435102" type="audio/mpeg"/><itunes:author>Royal Oak Financial Advisors</itunes:author><itunes:subtitle>Today John reviews how your 401(k) works and how you can get it to work for you.</itunes:subtitle><itunes:summary><![CDATA[Today John reviews how your 401(k) works and how you can get it to work for you.]]></itunes:summary><itunes:duration>403</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/34876115a096d1a9f5beb483b6e843e3.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Episode 39: Pension Strategy and Market Update</title><link>https://www.spreaker.com/episode/episode-39-pension-strategy-and-market-update--48982990</link><description><![CDATA[This week John and Paul look at a pension strategy for police, teachers and firefighters. They also give a market update.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/48982990</guid><pubDate>Mon, 07 Mar 2022 18:33:17 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/48982990/pension_strategy_and_market_update.mp3" length="15468465" type="audio/mpeg"/><itunes:author>Royal Oak Financial Advisors</itunes:author><itunes:subtitle>This week John and Paul look at a pension strategy for police, teachers and firefighters. They also give a market update.</itunes:subtitle><itunes:summary><![CDATA[This week John and Paul look at a pension strategy for police, teachers and firefighters. They also give a market update.]]></itunes:summary><itunes:duration>967</itunes:duration><itunes:keywords>finance,investinyourself,pensions</itunes:keywords><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/34876115a096d1a9f5beb483b6e843e3.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Episode 38: Traders vs Investors</title><link>https://www.spreaker.com/episode/episode-38-traders-vs-investors--48579532</link><description><![CDATA[The stock market has been very volatile to start the year. This week John and Paul discuss what you shouldn't do when the market declines.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/48579532</guid><pubDate>Thu, 03 Feb 2022 22:38:01 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/48579532/trader_vs_investor_podcast.mp3" length="15856318" type="audio/mpeg"/><itunes:author>Royal Oak Financial Advisors</itunes:author><itunes:subtitle>The stock market has been very volatile to start the year. This week John and Paul discuss what you shouldn't do when the market declines.</itunes:subtitle><itunes:summary><![CDATA[The stock market has been very volatile to start the year. This week John and Paul discuss what you shouldn't do when the market declines.]]></itunes:summary><itunes:duration>991</itunes:duration><itunes:keywords>finance,investing,market</itunes:keywords><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/34876115a096d1a9f5beb483b6e843e3.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Episode 37: 2021 Year In Review And 2022 Outlook</title><link>https://www.spreaker.com/episode/episode-37-2021-year-in-review-and-2022-outlook--48207547</link><description><![CDATA[This week John and Paul recap the big finance trends in 2021. Then they look forward to 2022 and discuss what they think may happen this year in the Market.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/48207547</guid><pubDate>Fri, 07 Jan 2022 20:25:59 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/48207547/2021_year_in_review_and_2022_outlook.mp3" length="19558198" type="audio/mpeg"/><itunes:author>Royal Oak Financial Advisors</itunes:author><itunes:subtitle>This week John and Paul recap the big finance trends in 2021. Then they look forward to 2022 and discuss what they think may happen this year in the Market.</itunes:subtitle><itunes:summary><![CDATA[This week John and Paul recap the big finance trends in 2021. Then they look forward to 2022 and discuss what they think may happen this year in the Market.]]></itunes:summary><itunes:duration>1223</itunes:duration><itunes:keywords>finance,market,stocks</itunes:keywords><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/34876115a096d1a9f5beb483b6e843e3.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Episode 36: October Market Outlook</title><link>https://www.spreaker.com/episode/episode-36-october-market-outlook--47128255</link><description><![CDATA[Join John and Paul as they talk about inflation, as well as give their short and long term market outlook.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/47128255</guid><pubDate>Sun, 24 Oct 2021 17:39:20 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/47128255/market_update_october_2021.mp3" length="10026210" type="audio/mpeg"/><itunes:author>Royal Oak Financial Advisors</itunes:author><itunes:subtitle>Join John and Paul as they talk about inflation, as well as give their short and long term market outlook.</itunes:subtitle><itunes:summary><![CDATA[Join John and Paul as they talk about inflation, as well as give their short and long term market outlook.]]></itunes:summary><itunes:duration>627</itunes:duration><itunes:keywords>finance,inflation,invest,market,money</itunes:keywords><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/34876115a096d1a9f5beb483b6e843e3.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Episode 35: Is Inflation Here To Stay?</title><link>https://www.spreaker.com/episode/episode-35-is-inflation-here-to-stay--45669901</link><description><![CDATA[This week John and Paul discuss whether the latest spike in inflation is here to stay.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/45669901</guid><pubDate>Mon, 12 Jul 2021 19:58:59 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/45669901/inflation_and_market_update_7_2021.mp3" length="13270411" type="audio/mpeg"/><itunes:author>Royal Oak Financial Advisors</itunes:author><itunes:subtitle>This week John and Paul discuss whether the latest spike in inflation is here to stay.</itunes:subtitle><itunes:summary><![CDATA[This week John and Paul discuss whether the latest spike in inflation is here to stay.]]></itunes:summary><itunes:duration>830</itunes:duration><itunes:keywords>finance,inflation,money</itunes:keywords><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/34876115a096d1a9f5beb483b6e843e3.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Episode 34: Mortgage and Lending with Ruth Young</title><link>https://www.spreaker.com/episode/episode-34-mortgage-and-lending-with-ruth-young--45064998</link><description><![CDATA[This week John sits down with Ruth Young, Vice President of Mortgage banking at Superior Bank. John and Ruth discuss what things you can do to help you get your offer accepted in this crazy "sellers" housing market. They review when it may be a good to refinance as or pay off your current mortgage.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/45064998</guid><pubDate>Tue, 01 Jun 2021 14:00:12 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/45064998/mortgage_and_lending_podcast_with_ruth_young.mp3" length="28171992" type="audio/mpeg"/><itunes:author>Royal Oak Financial Advisors</itunes:author><itunes:subtitle>This week John sits down with Ruth Young, Vice President of Mortgage banking at Superior Bank. John and Ruth discuss what things you can do to help you get your offer accepted in this crazy "sellers" housing market. They review when it may be a good...</itunes:subtitle><itunes:summary><![CDATA[This week John sits down with Ruth Young, Vice President of Mortgage banking at Superior Bank. John and Ruth discuss what things you can do to help you get your offer accepted in this crazy "sellers" housing market. They review when it may be a good to refinance as or pay off your current mortgage.]]></itunes:summary><itunes:duration>1761</itunes:duration><itunes:keywords>finance,home,investing,mortgage</itunes:keywords><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/34876115a096d1a9f5beb483b6e843e3.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Episode 34: Real Estate Investing</title><link>https://www.spreaker.com/episode/episode-34-real-estate-investing--44052051</link><guid isPermaLink="false">https://api.spreaker.com/episode/44052051</guid><pubDate>Wed, 26 May 2021 15:20:09 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/44052051/real_estate_investing.mp3" length="12030812" type="audio/mpeg"/><itunes:author>Royal Oak Financial Advisors</itunes:author><itunes:duration>752</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/34876115a096d1a9f5beb483b6e843e3.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Episode 33: March 2021 Market Outlook</title><link>https://www.spreaker.com/episode/episode-33-march-2021-market-outlook--44052045</link><description><![CDATA[Join John and Paul as they talk about the current state of the economy one year into the pandemic.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/44052045</guid><pubDate>Thu, 25 Mar 2021 19:18:21 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/44052045/march_2021_market_outlook.mp3" length="14312868" type="audio/mpeg"/><itunes:author>Royal Oak Financial Advisors</itunes:author><itunes:subtitle>Join John and Paul as they talk about the current state of the economy one year into the pandemic.</itunes:subtitle><itunes:summary><![CDATA[Join John and Paul as they talk about the current state of the economy one year into the pandemic.]]></itunes:summary><itunes:duration>895</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/34876115a096d1a9f5beb483b6e843e3.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Episode 32: Is Cash Still King?</title><link>https://www.spreaker.com/episode/episode-32-is-cash-still-king--43323716</link><description><![CDATA[Today John and Paul discuss how cash may be a thing of the past.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/43323716</guid><pubDate>Fri, 26 Feb 2021 15:00:03 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/43323716/is_cash_king.mp3" length="15043877" type="audio/mpeg"/><itunes:author>Royal Oak Financial Advisors</itunes:author><itunes:subtitle>Today John and Paul discuss how cash may be a thing of the past.</itunes:subtitle><itunes:summary><![CDATA[Today John and Paul discuss how cash may be a thing of the past.]]></itunes:summary><itunes:duration>941</itunes:duration><itunes:keywords>cash,finance,investing,money,stocks</itunes:keywords><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/34876115a096d1a9f5beb483b6e843e3.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Episode 31: Market Outlook for 2021</title><link>https://www.spreaker.com/episode/episode-31-market-outlook-for-2021--43323552</link><description><![CDATA[In this weeks episode John and Paul give their market outlook for 2021.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/43323552</guid><pubDate>Sat, 06 Feb 2021 20:20:48 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/43323552/market_outlook_for_2021.mp3" length="13925837" type="audio/mpeg"/><itunes:author>Royal Oak Financial Advisors</itunes:author><itunes:subtitle>In this weeks episode John and Paul give their market outlook for 2021.</itunes:subtitle><itunes:summary><![CDATA[In this weeks episode John and Paul give their market outlook for 2021.]]></itunes:summary><itunes:duration>871</itunes:duration><itunes:keywords>finance,financial,investing,money</itunes:keywords><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/34876115a096d1a9f5beb483b6e843e3.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Episode 30: 2020 Market Recap And What Is Ahead In 2021</title><link>https://www.spreaker.com/episode/episode-30-2020-market-recap-and-what-is-ahead-in-2021--42650360</link><description><![CDATA[John and Paul recap the stock market trends in 2020 and look ahead at what they think might happen in 2021.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/42650360</guid><pubDate>Thu, 24 Dec 2020 19:43:19 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/42650360/2020_recap_podcast.mp3" length="16622944" type="audio/mpeg"/><itunes:author>Royal Oak Financial Advisors</itunes:author><itunes:subtitle>John and Paul recap the stock market trends in 2020 and look ahead at what they think might happen in 2021.</itunes:subtitle><itunes:summary><![CDATA[John and Paul recap the stock market trends in 2020 and look ahead at what they think might happen in 2021.]]></itunes:summary><itunes:duration>1039</itunes:duration><itunes:keywords>finance,investing,planning,retirement,stocks</itunes:keywords><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/34876115a096d1a9f5beb483b6e843e3.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Episode 29: Post Election Market Update for November 2020</title><link>https://www.spreaker.com/episode/episode-29-post-election-market-update-for-november-2020--41965387</link><description><![CDATA[Today John and Paul talk about where the market is today and where it could go now that the election is over.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/41965387</guid><pubDate>Fri, 13 Nov 2020 21:53:50 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/41965387/market_update_november_2020.mp3" length="14123135" type="audio/mpeg"/><itunes:author>Royal Oak Financial Advisors</itunes:author><itunes:subtitle>Today John and Paul talk about where the market is today and where it could go now that the election is over.</itunes:subtitle><itunes:summary><![CDATA[Today John and Paul talk about where the market is today and where it could go now that the election is over.]]></itunes:summary><itunes:duration>883</itunes:duration><itunes:keywords>finance,investing,planning,stocks</itunes:keywords><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/34876115a096d1a9f5beb483b6e843e3.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Episode 28: Cash Alternatives Podcast</title><link>https://www.spreaker.com/episode/episode-28-cash-alternatives-podcast--41537999</link><description><![CDATA[This week Paul and John discuss some good alternatives to cash. They discuss how much cash you should keep in savings and how you can get the most out of it.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/41537999</guid><pubDate>Fri, 30 Oct 2020 19:20:21 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/41537999/cash_alternatives_podcast.mp3" length="13880718" type="audio/mpeg"/><itunes:author>Royal Oak Financial Advisors</itunes:author><itunes:subtitle>This week Paul and John discuss some good alternatives to cash. They discuss how much cash you should keep in savings and how you can get the most out of it.</itunes:subtitle><itunes:summary><![CDATA[This week Paul and John discuss some good alternatives to cash. They discuss how much cash you should keep in savings and how you can get the most out of it.]]></itunes:summary><itunes:duration>868</itunes:duration><itunes:keywords>cash,finance,investing</itunes:keywords><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/34876115a096d1a9f5beb483b6e843e3.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Episode 26: Market Update for October 2020</title><link>https://www.spreaker.com/episode/episode-26-market-update-for-october-2020--41537466</link><description><![CDATA[Today John and Paul talk about where the market is today and where it could go with the upcoming election.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/41537466</guid><pubDate>Mon, 19 Oct 2020 17:22:55 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/41537466/market_update_podcast_october_2020.mp3" length="15152566" type="audio/mpeg"/><itunes:author>Royal Oak Financial Advisors</itunes:author><itunes:subtitle>Today John and Paul talk about where the market is today and where it could go with the upcoming election.</itunes:subtitle><itunes:summary><![CDATA[Today John and Paul talk about where the market is today and where it could go with the upcoming election.]]></itunes:summary><itunes:duration>947</itunes:duration><itunes:keywords>finance,investing,market,stocks</itunes:keywords><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/34876115a096d1a9f5beb483b6e843e3.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Episode 25: How to Better Manage Your Debt and Savings</title><link>https://www.spreaker.com/episode/episode-25-how-to-better-manage-your-debt-and-savings--40914109</link><description><![CDATA[This week John and Paul take a look at ways you can better manage your debt. They also look at ways you can be efficient with your savings.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/40914109</guid><pubDate>Wed, 30 Sep 2020 20:16:55 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/40914109/debt_and_savings_podcast.mp3" length="16641340" type="audio/mpeg"/><itunes:author>Royal Oak Financial Advisors</itunes:author><itunes:subtitle>This week John and Paul take a look at ways you can better manage your debt. They also look at ways you can be efficient with your savings.</itunes:subtitle><itunes:summary><![CDATA[This week John and Paul take a look at ways you can better manage your debt. They also look at ways you can be efficient with your savings.]]></itunes:summary><itunes:duration>1041</itunes:duration><itunes:keywords>finance,money</itunes:keywords><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/34876115a096d1a9f5beb483b6e843e3.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Episode 24: Market Update for September 2020</title><link>https://www.spreaker.com/episode/episode-24-market-update-for-september-2020--40913400</link><description><![CDATA[Today John and Paul talk about where the market is today and where it could go with the upcoming election.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/40913400</guid><pubDate>Tue, 15 Sep 2020 13:45:40 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/40913400/market_update_9_2020.mp3" length="15088190" type="audio/mpeg"/><itunes:author>Royal Oak Financial Advisors</itunes:author><itunes:subtitle>Today John and Paul talk about where the market is today and where it could go with the upcoming election.</itunes:subtitle><itunes:summary><![CDATA[Today John and Paul talk about where the market is today and where it could go with the upcoming election.]]></itunes:summary><itunes:duration>943</itunes:duration><itunes:keywords>finance,market,money</itunes:keywords><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/34876115a096d1a9f5beb483b6e843e3.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Episode 23: Main Street Vs Wall Street Podcast</title><link>https://www.spreaker.com/episode/episode-23-main-street-vs-wall-street-podcast--31737785</link><description><![CDATA[This week John and Paul explore why the market keeps going up when there is still so much unemployment.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/31737785</guid><pubDate>Thu, 18 Jun 2020 19:49:10 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/31737785/main_street_vs_wall_street_podcast.mp3" length="16550627" type="audio/mpeg"/><itunes:author>Royal Oak Financial Advisors</itunes:author><itunes:subtitle>This week John and Paul explore why the market keeps going up when there is still so much unemployment.</itunes:subtitle><itunes:summary><![CDATA[This week John and Paul explore why the market keeps going up when there is still so much unemployment.]]></itunes:summary><itunes:duration>1035</itunes:duration><itunes:keywords>finance,investing,money</itunes:keywords><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/34876115a096d1a9f5beb483b6e843e3.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Episode 22: Stocks that have done well in down markets</title><link>https://www.spreaker.com/episode/episode-22-stocks-that-have-done-well-in-down-markets--26849318</link><description><![CDATA[Today John and Paul kick back on Paul's porch to talk about some stocks that have done well in down markets.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/26849318</guid><pubDate>Wed, 06 May 2020 19:28:40 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/26849318/stocks_that_have_done_well_in_down_markets.mp3" length="26596271" type="audio/mpeg"/><itunes:author>Royal Oak Financial Advisors</itunes:author><itunes:subtitle>Today John and Paul kick back on Paul's porch to talk about some stocks that have done well in down markets.</itunes:subtitle><itunes:summary><![CDATA[Today John and Paul kick back on Paul's porch to talk about some stocks that have done well in down markets.]]></itunes:summary><itunes:duration>1663</itunes:duration><itunes:keywords>finance,investments,markets,stocks</itunes:keywords><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/34876115a096d1a9f5beb483b6e843e3.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Episode 21: The New Normal</title><link>https://www.spreaker.com/episode/episode-21-the-new-normal--25653854</link><description><![CDATA[Today John and Paul take a historical look at what the pandemic has done to the market. They also talk about where they think the market is headed and what you should do now.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/25653854</guid><pubDate>Fri, 17 Apr 2020 19:50:36 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/25653854/the_new_normal.mp3" length="19593763" type="audio/mpeg"/><itunes:author>Royal Oak Financial Advisors</itunes:author><itunes:subtitle>Today John and Paul take a historical look at what the pandemic has done to the market. They also talk about where they think the market is headed and what you should do now.</itunes:subtitle><itunes:summary><![CDATA[Today John and Paul take a historical look at what the pandemic has done to the market. They also talk about where they think the market is headed and what you should do now.]]></itunes:summary><itunes:duration>1225</itunes:duration><itunes:keywords>finance,pandemic,stocks</itunes:keywords><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/34876115a096d1a9f5beb483b6e843e3.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Episode 20: Covid-19 with Nurse Laura and the markets</title><link>https://www.spreaker.com/episode/episode-20-covid-19-with-nurse-laura-and-the-markets--24436713</link><description><![CDATA[This week John and Paul talk to "Nurse Laura" about Covid 19. John and Paul also talk about where the markets are this week and when we can expect the markets to rebound.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/24436713</guid><pubDate>Fri, 27 Mar 2020 18:25:32 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/24436713/covid_19_with_nurse_laura_and_the_market.mp3" length="25864841" type="audio/mpeg"/><itunes:author>Royal Oak Financial Advisors</itunes:author><itunes:subtitle>This week John and Paul talk to "Nurse Laura" about Covid 19. John and Paul also talk about where the markets are this week and when we can expect the markets to rebound.</itunes:subtitle><itunes:summary><![CDATA[This week John and Paul talk to "Nurse Laura" about Covid 19. John and Paul also talk about where the markets are this week and when we can expect the markets to rebound.]]></itunes:summary><itunes:duration>1617</itunes:duration><itunes:keywords>covid19,finance</itunes:keywords><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/34876115a096d1a9f5beb483b6e843e3.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Episode 19: Coronavirus and the Markets Week 1</title><link>https://www.spreaker.com/episode/episode-19-coronavirus-and-the-markets-week-1--24064647</link><description><![CDATA[John and Paul talk about the impact of the Coronavirus on the stock markets after the first week.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/24064647</guid><pubDate>Thu, 19 Mar 2020 18:15:25 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/24064647/coronavirus_and_the_markets_week_1.mp3" length="14908039" type="audio/mpeg"/><itunes:author>Royal Oak Financial Advisors</itunes:author><itunes:subtitle>John and Paul talk about the impact of the Coronavirus on the stock markets after the first week.</itunes:subtitle><itunes:summary><![CDATA[John and Paul talk about the impact of the Coronavirus on the stock markets after the first week.]]></itunes:summary><itunes:duration>932</itunes:duration><itunes:keywords>coronavirus,markets,money</itunes:keywords><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/34876115a096d1a9f5beb483b6e843e3.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Episode 18: Estate Planning 101 with Ryan</title><link>https://www.spreaker.com/episode/episode-18-estate-planning-101-with-ryan--21790898</link><description><![CDATA[John talks to Ryan Plantrich an estate planning attorney about the basics of having a bullet proof estate plan.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/21790898</guid><pubDate>Fri, 17 Jan 2020 19:38:11 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/21790898/estate_planning_101_with_ryan.mp3" length="27482779" type="audio/mpeg"/><itunes:author>Royal Oak Financial Advisors</itunes:author><itunes:subtitle>John talks to Ryan Plantrich an estate planning attorney about the basics of having a bullet proof estate plan.</itunes:subtitle><itunes:summary><![CDATA[John talks to Ryan Plantrich an estate planning attorney about the basics of having a bullet proof estate plan.]]></itunes:summary><itunes:duration>1718</itunes:duration><itunes:keywords>estate,planning,trust,wills</itunes:keywords><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/34876115a096d1a9f5beb483b6e843e3.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Episode 17: "Go talk to your tax person"</title><link>https://www.spreaker.com/episode/episode-17-go-talk-to-your-tax-person--19691771</link><description><![CDATA[Today we are joined by Jim Westweed who is one of the leading minds in our industry around tax strategies for your investments.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/19691771</guid><pubDate>Fri, 25 Oct 2019 20:21:37 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/19691771/go_talk_to_your_tax_person.mp3" length="25809631" type="audio/mpeg"/><itunes:author>Royal Oak Financial Advisors</itunes:author><itunes:subtitle>Today we are joined by Jim Westweed who is one of the leading minds in our industry around tax strategies for your investments.</itunes:subtitle><itunes:summary><![CDATA[Today we are joined by Jim Westweed who is one of the leading minds in our industry around tax strategies for your investments.]]></itunes:summary><itunes:duration>1614</itunes:duration><itunes:keywords>finance,investments,personal,tax</itunes:keywords><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/34876115a096d1a9f5beb483b6e843e3.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Episode 16: The Real Cost of Owning a Mutual Fund</title><link>https://www.spreaker.com/episode/episode-16-the-real-cost-of-owning-a-mutual-fund--19391609</link><description><![CDATA[Do you know how much you are really paying to own a mutual fund? John and Paul shine some light all the costs associated with mutual funds.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/19391609</guid><pubDate>Mon, 07 Oct 2019 19:04:28 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/19391609/the_real_cost_of_owning_a_mutual_fund.mp3" length="15614362" type="audio/mpeg"/><itunes:author>Royal Oak Financial Advisors</itunes:author><itunes:subtitle>Do you know how much you are really paying to own a mutual fund? John and Paul shine some light all the costs associated with mutual funds.</itunes:subtitle><itunes:summary><![CDATA[Do you know how much you are really paying to own a mutual fund? John and Paul shine some light all the costs associated with mutual funds.]]></itunes:summary><itunes:duration>976</itunes:duration><itunes:keywords>fees,finance,investing,personal</itunes:keywords><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/34876115a096d1a9f5beb483b6e843e3.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Episode 15: Financial Planning 101</title><link>https://www.spreaker.com/episode/episode-15-financial-planning-101--19061324</link><description><![CDATA[John and Paul discuss reasons everyone should consider a financial plan. They discuss that financial plans aren't just for people close to retirement.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/19061324</guid><pubDate>Tue, 10 Sep 2019 20:13:59 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/19061324/financial_planning_101.mp3" length="20262889" type="audio/mpeg"/><itunes:author>Royal Oak Financial Advisors</itunes:author><itunes:subtitle>John and Paul discuss reasons everyone should consider a financial plan. They discuss that financial plans aren't just for people close to retirement.</itunes:subtitle><itunes:summary><![CDATA[John and Paul discuss reasons everyone should consider a financial plan. They discuss that financial plans aren't just for people close to retirement.]]></itunes:summary><itunes:duration>1267</itunes:duration><itunes:keywords>finance,invest,money,planning</itunes:keywords><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/34876115a096d1a9f5beb483b6e843e3.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Episode 14: Social Security, Pensions and Retirement Planning</title><link>https://www.spreaker.com/episode/episode-14-social-security-pensions-and-retirement-planning--18242329</link><guid isPermaLink="false">https://api.spreaker.com/episode/18242329</guid><pubDate>Tue, 11 Jun 2019 20:17:20 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/18242329/social_security_pensions_and_retirement_planning.mp3" length="18723154" type="audio/mpeg"/><itunes:author>Royal Oak Financial Advisors</itunes:author><itunes:duration>1171</itunes:duration><itunes:keywords>finance,pensions,personal,retirement</itunes:keywords><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/34876115a096d1a9f5beb483b6e843e3.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Episode 13: Red Flag Investing</title><link>https://www.spreaker.com/episode/episode-13-red-flag-investing--17951684</link><guid isPermaLink="false">https://api.spreaker.com/episode/17951684</guid><pubDate>Thu, 16 May 2019 20:08:29 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/17951684/red_flag_investing.mp3" length="15814119" type="audio/mpeg"/><itunes:author>Royal Oak Financial Advisors</itunes:author><itunes:duration>989</itunes:duration><itunes:keywords>financial,investing,money,protect</itunes:keywords><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/34876115a096d1a9f5beb483b6e843e3.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Episode 12: Identity Theft</title><link>https://www.spreaker.com/episode/episode-12-identity-theft--17660168</link><description><![CDATA[This week we talk about ways to protect yourself from identity theft.  We also take a look at the different identiy theft scams out there right now.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/17660168</guid><pubDate>Tue, 16 Apr 2019 21:26:07 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/17660168/identity_theft.mp3" length="14207071" type="audio/mpeg"/><itunes:author>Royal Oak Financial Advisors</itunes:author><itunes:subtitle>This week we talk about ways to protect yourself from identity theft.  We also take a look at the different identiy theft scams out there right now.</itunes:subtitle><itunes:summary><![CDATA[This week we talk about ways to protect yourself from identity theft.  We also take a look at the different identiy theft scams out there right now.]]></itunes:summary><itunes:duration>888</itunes:duration><itunes:keywords>financial,identity,money,theft</itunes:keywords><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/34876115a096d1a9f5beb483b6e843e3.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Episode 11: Should you borrow from your 401(k)?</title><link>https://www.spreaker.com/episode/episode-11-should-you-borrow-from-your-401-k--17606184</link><description><![CDATA[This week we take a look at borrowing from your 401(k). Is it really a good idea?]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/17606184</guid><pubDate>Thu, 11 Apr 2019 18:47:54 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/17606184/401_k_borrowing_podcast.mp3" length="11289714" type="audio/mpeg"/><itunes:author>Royal Oak Financial Advisors</itunes:author><itunes:subtitle>This week we take a look at borrowing from your 401(k). Is it really a good idea?</itunes:subtitle><itunes:summary><![CDATA[This week we take a look at borrowing from your 401(k). Is it really a good idea?]]></itunes:summary><itunes:duration>706</itunes:duration><itunes:keywords>401k,borrowing,money</itunes:keywords><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/34876115a096d1a9f5beb483b6e843e3.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Episode 10: What is a Broker Dealer vs RIA? Which one manages your money?</title><link>https://www.spreaker.com/episode/episode-10-what-is-a-broker-dealer-vs-ria-which-one-manages-your-money--17606170</link><description><![CDATA[This week we take a look at the differences between what a broker dealer is and an RIA.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/17606170</guid><pubDate>Thu, 11 Apr 2019 18:45:40 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/17606170/what_is_a_broker_dealer_vs_ria.mp3" length="13292725" type="audio/mpeg"/><itunes:author>Royal Oak Financial Advisors</itunes:author><itunes:subtitle>This week we take a look at the differences between what a broker dealer is and an RIA.</itunes:subtitle><itunes:summary><![CDATA[This week we take a look at the differences between what a broker dealer is and an RIA.]]></itunes:summary><itunes:duration>831</itunes:duration><itunes:keywords>broker,financial,ria</itunes:keywords><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/34876115a096d1a9f5beb483b6e843e3.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Episode 9: What is a Bear Market?</title><link>https://www.spreaker.com/episode/episode-9-what-is-a-bear-market--17606155</link><description><![CDATA[This week we explore what a "Bear Market" is.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/17606155</guid><pubDate>Thu, 11 Apr 2019 18:44:00 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/17606155/what_is_a_bear_market.mp3" length="10508126" type="audio/mpeg"/><itunes:author>Royal Oak Financial Advisors</itunes:author><itunes:subtitle>This week we explore what a "Bear Market" is.</itunes:subtitle><itunes:summary><![CDATA[This week we explore what a "Bear Market" is.]]></itunes:summary><itunes:duration>657</itunes:duration><itunes:keywords>bear,financial,market,money</itunes:keywords><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/34876115a096d1a9f5beb483b6e843e3.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Episode 8: Annuity Truther</title><link>https://www.spreaker.com/episode/episode-8-annuity-truther--17310136</link><description><![CDATA[Learn about the hidden side of annuities. If you have an annuity or are looking at purchasing one this is a must listen.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/17310136</guid><pubDate>Wed, 13 Mar 2019 14:46:13 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/17310136/annuity_truther.mp3" length="17760150" type="audio/mpeg"/><itunes:author>Royal Oak Financial Advisors</itunes:author><itunes:subtitle>Learn about the hidden side of annuities. If you have an annuity or are looking at purchasing one this is a must listen.</itunes:subtitle><itunes:summary><![CDATA[Learn about the hidden side of annuities. If you have an annuity or are looking at purchasing one this is a must listen.]]></itunes:summary><itunes:duration>1110</itunes:duration><itunes:keywords>annuities,annuity,finance</itunes:keywords><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/34876115a096d1a9f5beb483b6e843e3.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Episode 7: Some tips for open enrollment</title><link>https://www.spreaker.com/episode/episode-7-some-tips-for-open-enrollment--17043322</link><description><![CDATA[Get some tips to help you pick the best benefits that work for you during open enrollment.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/17043322</guid><pubDate>Thu, 14 Feb 2019 18:39:58 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/17043322/open_enrollement.mp3" length="11506635" type="audio/mpeg"/><itunes:author>Royal Oak Financial Advisors</itunes:author><itunes:subtitle>Get some tips to help you pick the best benefits that work for you during open enrollment.</itunes:subtitle><itunes:summary><![CDATA[Get some tips to help you pick the best benefits that work for you during open enrollment.]]></itunes:summary><itunes:duration>720</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/34876115a096d1a9f5beb483b6e843e3.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Episode 6: How much should you save for college?</title><link>https://www.spreaker.com/episode/episode-6-how-much-should-you-save-for-college--17043184</link><description><![CDATA[Find out how much you should save for college.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/17043184</guid><pubDate>Thu, 14 Feb 2019 18:38:35 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/17043184/how_much_should_you_save_for_college.mp3" length="9268884" type="audio/mpeg"/><itunes:author>Royal Oak Financial Advisors</itunes:author><itunes:subtitle>Find out how much you should save for college.</itunes:subtitle><itunes:summary><![CDATA[Find out how much you should save for college.]]></itunes:summary><itunes:duration>580</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/34876115a096d1a9f5beb483b6e843e3.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Episode 5: How does fixed income investments work?</title><link>https://www.spreaker.com/episode/episode-5-how-does-fixed-income-investments-work--17043077</link><description><![CDATA[Most people understand how stocks work. Find out how fixed income works in your portfolio.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/17043077</guid><pubDate>Thu, 14 Feb 2019 18:37:13 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/17043077/how_fixed_income_works.mp3" length="12431580" type="audio/mpeg"/><itunes:author>Royal Oak Financial Advisors</itunes:author><itunes:subtitle>Most people understand how stocks work. Find out how fixed income works in your portfolio.</itunes:subtitle><itunes:summary><![CDATA[Most people understand how stocks work. Find out how fixed income works in your portfolio.]]></itunes:summary><itunes:duration>777</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/34876115a096d1a9f5beb483b6e843e3.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Episode 4: Is your financial advisor a fiduciary?</title><link>https://www.spreaker.com/episode/episode-4-is-your-financial-advisor-a-fiduciary--17043153</link><description><![CDATA[How to tell if your financial advisor is a fiduciary.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/17043153</guid><pubDate>Thu, 14 Feb 2019 18:35:40 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/17043153/is_your_financial_advisor_a_fiduciary.mp3" length="13312213" type="audio/mpeg"/><itunes:author>Royal Oak Financial Advisors</itunes:author><itunes:subtitle>How to tell if your financial advisor is a fiduciary.</itunes:subtitle><itunes:summary><![CDATA[How to tell if your financial advisor is a fiduciary.]]></itunes:summary><itunes:duration>832</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/34876115a096d1a9f5beb483b6e843e3.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Episode 3: How dividends work</title><link>https://www.spreaker.com/episode/episode-3-how-dividends-work--17043074</link><description><![CDATA[Find out how the dividends in your investments work]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/17043074</guid><pubDate>Thu, 14 Feb 2019 18:32:21 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/17043074/how_dividends_work.mp3" length="8064307" type="audio/mpeg"/><itunes:author>Royal Oak Financial Advisors</itunes:author><itunes:subtitle>Find out how the dividends in your investments work</itunes:subtitle><itunes:summary><![CDATA[Find out how the dividends in your investments work]]></itunes:summary><itunes:duration>504</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/34876115a096d1a9f5beb483b6e843e3.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Episode 2: Tips on buying a house or car</title><link>https://www.spreaker.com/episode/episode-2-tips-on-buying-a-house-or-car--17043065</link><description><![CDATA[What you need to know before buying a house or car.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/17043065</guid><pubDate>Thu, 14 Feb 2019 18:31:14 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/17043065/buying_a_house_or_car_podcast.mp3" length="11389593" type="audio/mpeg"/><itunes:author>Royal Oak Financial Advisors</itunes:author><itunes:subtitle>What you need to know before buying a house or car.</itunes:subtitle><itunes:summary><![CDATA[What you need to know before buying a house or car.]]></itunes:summary><itunes:duration>712</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/34876115a096d1a9f5beb483b6e843e3.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Episode 1: How 529 education plans work</title><link>https://www.spreaker.com/episode/episode-1-how-529-education-plans-work--17043035</link><description><![CDATA[Find out how this investment vehicle can help you save for college.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/17043035</guid><pubDate>Thu, 14 Feb 2019 18:30:09 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/17043035/what_are_529_plans.mp3" length="12965003" type="audio/mpeg"/><itunes:author>Royal Oak Financial Advisors</itunes:author><itunes:subtitle>Find out how this investment vehicle can help you save for college.</itunes:subtitle><itunes:summary><![CDATA[Find out how this investment vehicle can help you save for college.]]></itunes:summary><itunes:duration>811</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/34876115a096d1a9f5beb483b6e843e3.jpg"/><itunes:episodeType>full</itunes:episodeType></item></channel></rss>
