<?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>Refining Retirement</title><link>https://www.spreaker.com/podcast/refining-retirement--6452827</link><description><![CDATA[Brad has a long history of helping clients in or nearing retirement create plans designed to accumulate, protect and preserve their wealth.<br />As the leader of his firm, Brad leverages his knowledge and experience to create personalized financial strategies that address the unique needs and challenges that could arise in retirement.<br />For more information go to vineyardfinancial.com<br />Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities.<br />Radio Disclosures: “Investing involves risk, including the potential loss of principal. Any references to protection, safety or lifetime income, generally refer to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength and claims paying abilities of the issuing carrier. This radio show is intended for informational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual’s situation. Vineyard Financial is not permitted to offer and no statement made during this show shall constitute tax or legal advice. Our firm is not affiliated with or endorsed by the US Government or any governmental agency. The information and opinions contained herein provided by the third parties have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by Vineyard Financial. This Radio Show is a paid placement.”<br />]]></description><atom:link href="https://www.spreaker.com/show/6452827/episodes/feed" rel="self" type="application/rss+xml"/><language>en</language><category>Business</category><copyright>Copyright Chaesare Gray</copyright><image><url>https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/528f4d7461d7bf4c843761c3748d28d7.jpg</url><title>Refining Retirement</title><link>https://www.spreaker.com/podcast/refining-retirement--6452827</link></image><lastBuildDate>Sat, 29 Aug 2026 13:03:07 +0000</lastBuildDate><itunes:author>Chaesare Gray</itunes:author><itunes:owner><itunes:name>Brad Ford</itunes:name><itunes:email>brad@vineyardfinancial.com</itunes:email></itunes:owner><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/528f4d7461d7bf4c843761c3748d28d7.jpg"/><itunes:subtitle>Brad has a long history of helping clients in or nearing retirement create plans designed to accumulate, protect and preserve their wealth.
As the leader of his firm, Brad leverages his knowledge and experience to create personalized financial...</itunes:subtitle><itunes:summary><![CDATA[Brad has a long history of helping clients in or nearing retirement create plans designed to accumulate, protect and preserve their wealth.<br />As the leader of his firm, Brad leverages his knowledge and experience to create personalized financial strategies that address the unique needs and challenges that could arise in retirement.<br />For more information go to vineyardfinancial.com<br />Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities.<br />Radio Disclosures: “Investing involves risk, including the potential loss of principal. Any references to protection, safety or lifetime income, generally refer to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength and claims paying abilities of the issuing carrier. This radio show is intended for informational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual’s situation. Vineyard Financial is not permitted to offer and no statement made during this show shall constitute tax or legal advice. Our firm is not affiliated with or endorsed by the US Government or any governmental agency. The information and opinions contained herein provided by the third parties have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by Vineyard Financial. This Radio Show is a paid placement.”<br />]]></itunes:summary><itunes:category text="Business"/><itunes:explicit>false</itunes:explicit><podcast:guid>2816b101-7d96-5a87-ab51-ddf21bc8c61e</podcast:guid><itunes:type>episodic</itunes:type><item><title>Cracking the Code: Retirement Risks &amp; Rewards</title><link>https://www.spreaker.com/episode/cracking-the-code-retirement-risks-rewards--74722680</link><description><![CDATA["Are you ready to face the hidden challenges of retirement?" Discover why women often need a different game plan—and how gaps in employment, longevity, and unexpected medical events can change the stakes. Brad Ford shares candid stories and expert insights, tackles overlooked financial vulnerabilities, and explores strategies to help safeguard your future. Journey beyond simple investment advice into a world where planning means peace of mind, but not every answer is what you expect.<br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/74722680</guid><pubDate>Sat, 29 Aug 2026 13:00:02 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/74722680/refining_retirement_new_28_min_show_sat_sun_8_29_26.mp3" length="40453222" type="audio/mpeg"/><itunes:author>Chaesare Gray</itunes:author><itunes:subtitle>"Are you ready to face the hidden challenges of retirement?" Discover why women often need a different game plan—and how gaps in employment, longevity, and unexpected medical events can change the stakes. Brad Ford shares candid stories and expert...</itunes:subtitle><itunes:summary><![CDATA["Are you ready to face the hidden challenges of retirement?" Discover why women often need a different game plan—and how gaps in employment, longevity, and unexpected medical events can change the stakes. Brad Ford shares candid stories and expert insights, tackles overlooked financial vulnerabilities, and explores strategies to help safeguard your future. Journey beyond simple investment advice into a world where planning means peace of mind, but not every answer is what you expect.<br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></itunes:summary><itunes:duration>1682</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/528f4d7461d7bf4c843761c3748d28d7.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Retirement Planning for Every Personality</title><link>https://www.spreaker.com/episode/retirement-planning-for-every-personality--73927900</link><description><![CDATA["Is your fiscal house built on a strong foundation—or just eyeballed and hammered together?" In this episode, Brad Ford tackles the biggest retirement questions, revealing why planning can look different for every couple and personality. From simplifying investment decisions to uncovering tax-saving strategies, the conversation exposes the unseen cracks in retirement plans and explores how longevity, business transitions, and family dynamics shape your financial future. Discover the moments where clarity conquers confusion—without spoiling the full blueprint.<br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/73927900</guid><pubDate>Sat, 15 Aug 2026 13:00:03 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/73927900/refining_retirement_new_28_min_show_wjlt_fm_sat_sun_8_15_26.mp3" length="40452263" type="audio/mpeg"/><itunes:author>Chaesare Gray</itunes:author><itunes:subtitle>"Is your fiscal house built on a strong foundation—or just eyeballed and hammered together?" In this episode, Brad Ford tackles the biggest retirement questions, revealing why planning can look different for every couple and personality. From...</itunes:subtitle><itunes:summary><![CDATA["Is your fiscal house built on a strong foundation—or just eyeballed and hammered together?" In this episode, Brad Ford tackles the biggest retirement questions, revealing why planning can look different for every couple and personality. From simplifying investment decisions to uncovering tax-saving strategies, the conversation exposes the unseen cracks in retirement plans and explores how longevity, business transitions, and family dynamics shape your financial future. Discover the moments where clarity conquers confusion—without spoiling the full blueprint.<br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></itunes:summary><itunes:duration>1682</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/528f4d7461d7bf4c843761c3748d28d7.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Cracks in Your Fiscal House</title><link>https://www.spreaker.com/episode/cracks-in-your-fiscal-house--73570134</link><description><![CDATA[“Did you know over half of Americans have no legacy plan—and may not even realize it?”<br />Join Brad Ford as he uncovers the most overlooked gaps in retirement and legacy planning. From harrowing real-life stories to crucial steps many overlook, this episode explores what happens when important financial details fall through the cracks. Discover why protecting your fiscal house is about more than just money—and what could be at stake if you don’t.<br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/73570134</guid><pubDate>Sat, 08 Aug 2026 13:00:06 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/73570134/refining_retirement_new_28_min_show_wjlt_fm_sat_sun_8_8_26.mp3" length="40451291" type="audio/mpeg"/><itunes:author>Chaesare Gray</itunes:author><itunes:subtitle>“Did you know over half of Americans have no legacy plan—and may not even realize it?”
Join Brad Ford as he uncovers the most overlooked gaps in retirement and legacy planning. From harrowing real-life stories to crucial steps many overlook, this...</itunes:subtitle><itunes:summary><![CDATA[“Did you know over half of Americans have no legacy plan—and may not even realize it?”<br />Join Brad Ford as he uncovers the most overlooked gaps in retirement and legacy planning. From harrowing real-life stories to crucial steps many overlook, this episode explores what happens when important financial details fall through the cracks. Discover why protecting your fiscal house is about more than just money—and what could be at stake if you don’t.<br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></itunes:summary><itunes:duration>1682</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/528f4d7461d7bf4c843761c3748d28d7.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>The Missing Piece of Your Retirement Plan</title><link>https://www.spreaker.com/episode/the-missing-piece-of-your-retirement-plan--73264170</link><description><![CDATA[“Did you know over half of Americans have no legacy plan at all?” In this heartfelt episode, Brad Ford uncovers the often-overlooked side of retirement: ensuring your hard-earned assets truly benefit those you love. Through candid stories—both humorous and sobering—Brad shares why legacy planning isn’t about loss, but about control and clarity for your family’s future. Tune in as he reveals the pitfalls, tough conversations, and emotional realities many put off until it’s too late, and discover which crucial details can make or break your retirement dreams.<br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/73264170</guid><pubDate>Sat, 01 Aug 2026 13:00:03 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/73264170/refining_retirement_new_28_min_show_wjlt_fm_sat_sun_8_1_26.mp3" length="40450813" type="audio/mpeg"/><itunes:author>Chaesare Gray</itunes:author><itunes:subtitle>“Did you know over half of Americans have no legacy plan at all?” In this heartfelt episode, Brad Ford uncovers the often-overlooked side of retirement: ensuring your hard-earned assets truly benefit those you love. Through candid stories—both...</itunes:subtitle><itunes:summary><![CDATA[“Did you know over half of Americans have no legacy plan at all?” In this heartfelt episode, Brad Ford uncovers the often-overlooked side of retirement: ensuring your hard-earned assets truly benefit those you love. Through candid stories—both humorous and sobering—Brad shares why legacy planning isn’t about loss, but about control and clarity for your family’s future. Tune in as he reveals the pitfalls, tough conversations, and emotional realities many put off until it’s too late, and discover which crucial details can make or break your retirement dreams.<br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></itunes:summary><itunes:duration>1682</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/528f4d7461d7bf4c843761c3748d28d7.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Reality of Retirement Spending</title><link>https://www.spreaker.com/episode/reality-of-retirement-spending--73130752</link><description><![CDATA["Could one click wipe out a lifetime of savings?" In a world where scams grow more sophisticated by the day, retirees face invisible threats that can devastate finances in an instant. This episode exposes the latest fraud tactics—from AI-assisted phishing to lookalike charity schemes—and explores the surprising reasons why retirement spending patterns defy old assumptions. Tune in for hard-earned lessons, critical prevention tips, and the strategies you may need to keep your future—and your fortune—secure.<br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/73130752</guid><pubDate>Sat, 25 Jul 2026 13:00:03 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/73130752/refining_retirement_new_28_min_show_wjlt_fm_sat_sun_7_25_26.mp3" length="40449841" type="audio/mpeg"/><itunes:author>Chaesare Gray</itunes:author><itunes:subtitle>"Could one click wipe out a lifetime of savings?" In a world where scams grow more sophisticated by the day, retirees face invisible threats that can devastate finances in an instant. This episode exposes the latest fraud tactics—from AI-assisted...</itunes:subtitle><itunes:summary><![CDATA["Could one click wipe out a lifetime of savings?" In a world where scams grow more sophisticated by the day, retirees face invisible threats that can devastate finances in an instant. This episode exposes the latest fraud tactics—from AI-assisted phishing to lookalike charity schemes—and explores the surprising reasons why retirement spending patterns defy old assumptions. Tune in for hard-earned lessons, critical prevention tips, and the strategies you may need to keep your future—and your fortune—secure.<br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></itunes:summary><itunes:duration>1682</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/528f4d7461d7bf4c843761c3748d28d7.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>July 11-19 Headlines</title><link>https://www.spreaker.com/episode/july-11-19-headlines--72895666</link><description><![CDATA[Is chasing a “magic number” really the answer to a comfortable retirement, or is there something deeper at play? This episode of Refining Retirement uncovers the overlooked risks, hidden cracks, and pivotal decisions—from boats to Social Security—that shape your financial future. With real stories, candid advice, and insights into today’s shifting retirement landscape, Brad Ford helps listeners see why true confidence comes from more than just hitting a savings goal. What might you be missing in your own plan?<br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/72895666</guid><pubDate>Sat, 11 Jul 2026 13:00:02 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/72895666/fe3c1d90_9530_4df6_b3ae_0f68ba107092.mp3" length="40446932" type="audio/mpeg"/><itunes:author>Chaesare Gray</itunes:author><itunes:subtitle>Is chasing a “magic number” really the answer to a comfortable retirement, or is there something deeper at play? This episode of Refining Retirement uncovers the overlooked risks, hidden cracks, and pivotal decisions—from boats to Social Security—that...</itunes:subtitle><itunes:summary><![CDATA[Is chasing a “magic number” really the answer to a comfortable retirement, or is there something deeper at play? This episode of Refining Retirement uncovers the overlooked risks, hidden cracks, and pivotal decisions—from boats to Social Security—that shape your financial future. With real stories, candid advice, and insights into today’s shifting retirement landscape, Brad Ford helps listeners see why true confidence comes from more than just hitting a savings goal. What might you be missing in your own plan?<br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></itunes:summary><itunes:duration>1682</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/528f4d7461d7bf4c843761c3748d28d7.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Mailbag Questions 38</title><link>https://www.spreaker.com/episode/mailbag-questions-38--72793777</link><description><![CDATA["Why do family squabbles erupt over seemingly worthless heirlooms, and how can you keep peace when it comes to your legacy?"<br />This episode dives into the emotional and financial complexities of estate planning—from the first talk about inheritance to the hidden perils of outdated paperwork and probate pitfalls. Join Brad Ford and Jacob Hall as they unravel real-life tales of vacation home renovations, tax headaches, and unimaginable surprises that can surface when families don’t have a plan. Find out how the right conversations now might save your loved ones from chaos later—but what’s the biggest estate planning mistake even savvy retirees make? The answers may surprise you.<br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/72793777</guid><pubDate>Sat, 04 Jul 2026 13:00:02 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/72793777/refining_retirement_new_28_min_show_wjlt_fm_sat_sun_7_4_27.mp3" length="40446446" type="audio/mpeg"/><itunes:author>Chaesare Gray</itunes:author><itunes:subtitle>"Why do family squabbles erupt over seemingly worthless heirlooms, and how can you keep peace when it comes to your legacy?"
This episode dives into the emotional and financial complexities of estate planning—from the first talk about inheritance to...</itunes:subtitle><itunes:summary><![CDATA["Why do family squabbles erupt over seemingly worthless heirlooms, and how can you keep peace when it comes to your legacy?"<br />This episode dives into the emotional and financial complexities of estate planning—from the first talk about inheritance to the hidden perils of outdated paperwork and probate pitfalls. Join Brad Ford and Jacob Hall as they unravel real-life tales of vacation home renovations, tax headaches, and unimaginable surprises that can surface when families don’t have a plan. Find out how the right conversations now might save your loved ones from chaos later—but what’s the biggest estate planning mistake even savvy retirees make? The answers may surprise you.<br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></itunes:summary><itunes:duration>1682</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/528f4d7461d7bf4c843761c3748d28d7.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Financial Independence 2026</title><link>https://www.spreaker.com/episode/financial-independence-2026--72703904</link><description><![CDATA[Is financial independence just a patriotic buzzword—or the key to unlocking a worry-free retirement? Dana Wright and Jakub Hall dive deep into the realities of retiring in today’s uncertain landscape: market swings, rising inflation, and the unpredictable cost of healthcare threaten to unravel even the best-laid plans. Discover why having a hefty nest egg isn’t enough, and how a written income strategy—paired with flexible “fiscal house” planning—can give you control over your financial future. From outdated spending rules to the hidden risks of relying on insurance, Jakub shares actionable ways to safeguard your wealth and navigate the complications of downsizing, longevity, and long-term care. Will your retirement be a celebration of freedom, or a scramble for stability? Tune in and learn why clarity, adaptability, and a solid backup plan are more critical than ever.<br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/72703904</guid><pubDate>Sat, 27 Jun 2026 13:00:06 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/72703904/refining_retirement_new_28_min_show_wjlt_fm_sat_sun_6_26_27.mp3" length="40445947" type="audio/mpeg"/><itunes:author>Chaesare Gray</itunes:author><itunes:subtitle>Is financial independence just a patriotic buzzword—or the key to unlocking a worry-free retirement? Dana Wright and Jakub Hall dive deep into the realities of retiring in today’s uncertain landscape: market swings, rising inflation, and the...</itunes:subtitle><itunes:summary><![CDATA[Is financial independence just a patriotic buzzword—or the key to unlocking a worry-free retirement? Dana Wright and Jakub Hall dive deep into the realities of retiring in today’s uncertain landscape: market swings, rising inflation, and the unpredictable cost of healthcare threaten to unravel even the best-laid plans. Discover why having a hefty nest egg isn’t enough, and how a written income strategy—paired with flexible “fiscal house” planning—can give you control over your financial future. From outdated spending rules to the hidden risks of relying on insurance, Jakub shares actionable ways to safeguard your wealth and navigate the complications of downsizing, longevity, and long-term care. Will your retirement be a celebration of freedom, or a scramble for stability? Tune in and learn why clarity, adaptability, and a solid backup plan are more critical than ever.<br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></itunes:summary><itunes:duration>1682</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/528f4d7461d7bf4c843761c3748d28d7.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>The Reality of Retirement Spending</title><link>https://www.spreaker.com/episode/the-reality-of-retirement-spending--72584628</link><description><![CDATA[Is your “nest egg” safe from rising prices and hidden expenses? As inflation surges and tax brackets loom, today’s retirees face a tangled set of financial challenges few see coming. Join Jacob Hall and the Refining Retirement team for an eye-opening look into how inflation, tax exposure, Social Security, and even boredom can quietly erode your golden years—unless you know how to plan for what you can't predict. The conversation explores the myths around retirement spending, the realities of long-term care costs, and why “just surviving” isn’t enough when it comes to your financial future. The triple threat to your retirement may not be what you expect…<br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/72584628</guid><pubDate>Sat, 20 Jun 2026 13:00:02 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/72584628/refining_retirement_new_28_min_show_wjlt_fm_sat_sun_6_20_26.mp3" length="40445453" type="audio/mpeg"/><itunes:author>Chaesare Gray</itunes:author><itunes:subtitle>Is your “nest egg” safe from rising prices and hidden expenses? As inflation surges and tax brackets loom, today’s retirees face a tangled set of financial challenges few see coming. Join Jacob Hall and the Refining Retirement team for an eye-opening...</itunes:subtitle><itunes:summary><![CDATA[Is your “nest egg” safe from rising prices and hidden expenses? As inflation surges and tax brackets loom, today’s retirees face a tangled set of financial challenges few see coming. Join Jacob Hall and the Refining Retirement team for an eye-opening look into how inflation, tax exposure, Social Security, and even boredom can quietly erode your golden years—unless you know how to plan for what you can't predict. The conversation explores the myths around retirement spending, the realities of long-term care costs, and why “just surviving” isn’t enough when it comes to your financial future. The triple threat to your retirement may not be what you expect…<br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></itunes:summary><itunes:duration>1682</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/528f4d7461d7bf4c843761c3748d28d7.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Retirement Risks Hiding in Plain Sight</title><link>https://www.spreaker.com/episode/retirement-risks-hiding-in-plain-sight--72487183</link><description><![CDATA[“What happens if your retirement income suddenly shrinks?” Brad and Dana unpack a startling new projection showing how potential Social Security cuts could impact retirees across the country—and why the numbers are closer to home than many realize. From claiming strategies and pension decisions to long-term care planning and family financial blind spots, this conversation explores the retirement risks that often go unnoticed until it’s too late. The discussion raises important questions and reveals opportunities that many people may be overlooking.<br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/72487183</guid><pubDate>Sat, 13 Jun 2026 13:00:03 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/72487183/refining_retirement_new_28_min_show_wjlt_fm_sat_sun_6_13_26.mp3" length="40444967" type="audio/mpeg"/><itunes:author>Chaesare Gray</itunes:author><itunes:subtitle>“What happens if your retirement income suddenly shrinks?” Brad and Dana unpack a startling new projection showing how potential Social Security cuts could impact retirees across the country—and why the numbers are closer to home than many realize....</itunes:subtitle><itunes:summary><![CDATA[“What happens if your retirement income suddenly shrinks?” Brad and Dana unpack a startling new projection showing how potential Social Security cuts could impact retirees across the country—and why the numbers are closer to home than many realize. From claiming strategies and pension decisions to long-term care planning and family financial blind spots, this conversation explores the retirement risks that often go unnoticed until it’s too late. The discussion raises important questions and reveals opportunities that many people may be overlooking.<br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></itunes:summary><itunes:duration>1682</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/528f4d7461d7bf4c843761c3748d28d7.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Navigating Retirement’s Hidden Challenges</title><link>https://www.spreaker.com/episode/navigating-retirement-s-hidden-challenges--72349608</link><description><![CDATA[“What if your dream retirement brings unexpected headaches instead of freedom?” In this episode, Brad Ford unpacks the unseen pitfalls of the transition—steep health insurance costs, Social Security shakeups, and rising prices. Personal stories reveal why strategy beats assumptions, and why a retirement plan needs to withstand more than just good times. Could your nest egg weather the storm? The answers aren’t always what you expect.<br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/72349608</guid><pubDate>Sat, 06 Jun 2026 13:00:02 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/72349608/refining_retirement_new_28_min_show_6_6_26.mp3" length="40444481" type="audio/mpeg"/><itunes:author>Chaesare Gray</itunes:author><itunes:subtitle>“What if your dream retirement brings unexpected headaches instead of freedom?” In this episode, Brad Ford unpacks the unseen pitfalls of the transition—steep health insurance costs, Social Security shakeups, and rising prices. Personal stories reveal...</itunes:subtitle><itunes:summary><![CDATA[“What if your dream retirement brings unexpected headaches instead of freedom?” In this episode, Brad Ford unpacks the unseen pitfalls of the transition—steep health insurance costs, Social Security shakeups, and rising prices. Personal stories reveal why strategy beats assumptions, and why a retirement plan needs to withstand more than just good times. Could your nest egg weather the storm? The answers aren’t always what you expect.<br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></itunes:summary><itunes:duration>1682</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/528f4d7461d7bf4c843761c3748d28d7.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Tough Financial Truths</title><link>https://www.spreaker.com/episode/tough-financial-truths--72213461</link><description><![CDATA[“What do you want on your tombstone when you die?” Brad Ford asks, challenging listeners to reflect on the legacy they’re building—and the financial steps required to protect it. Delve into real-life stories and overlooked pitfalls from a 40-year financial career: from lost buying power in Social Security to surprising ways market shifts and health care costs can erode your savings. Discover fresh perspectives on helping your grandchildren, weighing risky retirement dreams, and finding purpose beyond dollars. The most crucial decisions—and uncertainties—await, but the episode leaves solutions just out of reach, inviting you to consider the true meaning of your retirement journey.<br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/72213461</guid><pubDate>Sat, 30 May 2026 13:00:02 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/72213461/tough_financial_truths_5_30_26.mp3" length="40443518" type="audio/mpeg"/><itunes:author>Chaesare Gray</itunes:author><itunes:subtitle>“What do you want on your tombstone when you die?” Brad Ford asks, challenging listeners to reflect on the legacy they’re building—and the financial steps required to protect it. Delve into real-life stories and overlooked pitfalls from a 40-year...</itunes:subtitle><itunes:summary><![CDATA[“What do you want on your tombstone when you die?” Brad Ford asks, challenging listeners to reflect on the legacy they’re building—and the financial steps required to protect it. Delve into real-life stories and overlooked pitfalls from a 40-year financial career: from lost buying power in Social Security to surprising ways market shifts and health care costs can erode your savings. Discover fresh perspectives on helping your grandchildren, weighing risky retirement dreams, and finding purpose beyond dollars. The most crucial decisions—and uncertainties—await, but the episode leaves solutions just out of reach, inviting you to consider the true meaning of your retirement journey.<br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></itunes:summary><itunes:duration>1682</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/528f4d7461d7bf4c843761c3748d28d7.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>The Magic Number</title><link>https://www.spreaker.com/episode/the-magic-number--72025838</link><description><![CDATA[Is your ideal retirement slipping further away—or was it always out of reach? With inflation raging, debt climbing, and Medicare and Social Security in question, confidence among Americans is at historic lows. Explore the surprising realities behind retirement planning, from hidden healthcare costs and family dynamics to strategies for regaining control and flexibility. Discover how today's challenges demand fresh conversations and new perspectives, while leaving you questioning: What is your real plan for the future?<br /><br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/72025838</guid><pubDate>Sat, 16 May 2026 13:00:03 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/72025838/refining_retirement_new_5_16_26.mp3" length="40442550" type="audio/mpeg"/><itunes:author>Chaesare Gray</itunes:author><itunes:subtitle>Is your ideal retirement slipping further away—or was it always out of reach? With inflation raging, debt climbing, and Medicare and Social Security in question, confidence among Americans is at historic lows. Explore the surprising realities behind...</itunes:subtitle><itunes:summary><![CDATA[Is your ideal retirement slipping further away—or was it always out of reach? With inflation raging, debt climbing, and Medicare and Social Security in question, confidence among Americans is at historic lows. Explore the surprising realities behind retirement planning, from hidden healthcare costs and family dynamics to strategies for regaining control and flexibility. Discover how today's challenges demand fresh conversations and new perspectives, while leaving you questioning: What is your real plan for the future?<br /><br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></itunes:summary><itunes:duration>1682</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/528f4d7461d7bf4c843761c3748d28d7.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>The Confidence Gap</title><link>https://www.spreaker.com/episode/the-confidence-gap--71910902</link><description><![CDATA[Is your ideal retirement slipping further away—or was it always out of reach? With inflation raging, debt climbing, and Medicare and Social Security in question, confidence among Americans is at historic lows. Explore the surprising realities behind retirement planning, from hidden healthcare costs and family dynamics to strategies for regaining control and flexibility. Discover how today's challenges demand fresh conversations and new perspectives, while leaving you questioning: What is your real plan for the future?<br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/71910902</guid><pubDate>Sat, 09 May 2026 13:00:02 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/71910902/the_confidence_gap_5_9_26.mp3" length="21722292" type="audio/mpeg"/><itunes:author>Chaesare Gray</itunes:author><itunes:subtitle>Is your ideal retirement slipping further away—or was it always out of reach? With inflation raging, debt climbing, and Medicare and Social Security in question, confidence among Americans is at historic lows. Explore the surprising realities behind...</itunes:subtitle><itunes:summary><![CDATA[Is your ideal retirement slipping further away—or was it always out of reach? With inflation raging, debt climbing, and Medicare and Social Security in question, confidence among Americans is at historic lows. Explore the surprising realities behind retirement planning, from hidden healthcare costs and family dynamics to strategies for regaining control and flexibility. Discover how today's challenges demand fresh conversations and new perspectives, while leaving you questioning: What is your real plan for the future?<br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></itunes:summary><itunes:duration>1803</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/528f4d7461d7bf4c843761c3748d28d7.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Are You in the Danger Zone</title><link>https://www.spreaker.com/episode/are-you-in-the-danger-zone--71593651</link><description><![CDATA[Is your retirement plan ready for the most financially risky decade of your life? Discover why the five years before and after retirement can make or break your future—and what hidden pitfalls often catch even the savviest planners off guard. Brad Ford and Dana Wright reveal strategies behind dependable income streams, unexpected Medicare costs, and the art of blending investments for security. Step inside the “danger zone” and explore the challenges and choices that shape lasting freedom in retirement—without giving away the secrets to success.<br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/71593651</guid><pubDate>Sat, 25 Apr 2026 13:00:02 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/71593651/are_you_in_the_danger_zone_4_25_26.mp3" length="40440107" type="audio/mpeg"/><itunes:author>Chaesare Gray</itunes:author><itunes:subtitle>Is your retirement plan ready for the most financially risky decade of your life? Discover why the five years before and after retirement can make or break your future—and what hidden pitfalls often catch even the savviest planners off guard. Brad...</itunes:subtitle><itunes:summary><![CDATA[Is your retirement plan ready for the most financially risky decade of your life? Discover why the five years before and after retirement can make or break your future—and what hidden pitfalls often catch even the savviest planners off guard. Brad Ford and Dana Wright reveal strategies behind dependable income streams, unexpected Medicare costs, and the art of blending investments for security. Step inside the “danger zone” and explore the challenges and choices that shape lasting freedom in retirement—without giving away the secrets to success.<br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></itunes:summary><itunes:duration>1682</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/528f4d7461d7bf4c843761c3748d28d7.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Navigating Retirement Risks Without Guesswork</title><link>https://www.spreaker.com/episode/navigating-retirement-risks-without-guesswork--71378917</link><description><![CDATA["Are you letting taxes, market swings, or fear dictate your retirement—or are you taking control?"<br />Brad Ford shares jaw-dropping stories, candid cautions, and practical tips for planning in turbulent times—highlighting why proactive tax strategies, vertical diversification, and stress-testing your investment ‘fiscal house’ are crucial. From analyzing lump sum pensions to managing aging parents’ finances, the episode tackles tough decisions and common mistakes with humor and humility. The conversation is lively, relatable, and packed with actionable insights, inviting listeners to rethink the habits and assumptions that could shape their next chapter.<br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/71378917</guid><pubDate>Sat, 18 Apr 2026 13:00:02 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/71378917/refining_retirement_new_28_min_show_wjlt_fm_sat_sun_4_18_26.mp3" length="40439135" type="audio/mpeg"/><itunes:author>Chaesare Gray</itunes:author><itunes:subtitle>"Are you letting taxes, market swings, or fear dictate your retirement—or are you taking control?"
Brad Ford shares jaw-dropping stories, candid cautions, and practical tips for planning in turbulent times—highlighting why proactive tax strategies,...</itunes:subtitle><itunes:summary><![CDATA["Are you letting taxes, market swings, or fear dictate your retirement—or are you taking control?"<br />Brad Ford shares jaw-dropping stories, candid cautions, and practical tips for planning in turbulent times—highlighting why proactive tax strategies, vertical diversification, and stress-testing your investment ‘fiscal house’ are crucial. From analyzing lump sum pensions to managing aging parents’ finances, the episode tackles tough decisions and common mistakes with humor and humility. The conversation is lively, relatable, and packed with actionable insights, inviting listeners to rethink the habits and assumptions that could shape their next chapter.<br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></itunes:summary><itunes:duration>1682</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/528f4d7461d7bf4c843761c3748d28d7.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Retirement Planning Priorities: Procrastination, Risk &amp; Real Decisions</title><link>https://www.spreaker.com/episode/retirement-planning-priorities-procrastination-risk-real-decisions--71217132</link><description><![CDATA[“What price do you pay for waiting too long?” As spring ushers in renewal, Brad and Dana tackle the very real costs of procrastination—both in home upkeep and your financial future. From the secrets to a resilient fiscal house to navigating family property disputes and the art of balancing risk in a relationship, this episode pulls back the curtain on pitfalls retirees rarely see coming. Discover why addressing these challenges now can be the difference between a secure retirement and unwanted surprises.<br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/71217132</guid><pubDate>Sat, 11 Apr 2026 13:00:02 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/71217132/refining_retirement_new_4_11_26.mp3" length="40438649" type="audio/mpeg"/><itunes:author>Chaesare Gray</itunes:author><itunes:subtitle>“What price do you pay for waiting too long?” As spring ushers in renewal, Brad and Dana tackle the very real costs of procrastination—both in home upkeep and your financial future. From the secrets to a resilient fiscal house to navigating family...</itunes:subtitle><itunes:summary><![CDATA[“What price do you pay for waiting too long?” As spring ushers in renewal, Brad and Dana tackle the very real costs of procrastination—both in home upkeep and your financial future. From the secrets to a resilient fiscal house to navigating family property disputes and the art of balancing risk in a relationship, this episode pulls back the curtain on pitfalls retirees rarely see coming. Discover why addressing these challenges now can be the difference between a secure retirement and unwanted surprises.<br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></itunes:summary><itunes:duration>1682</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/528f4d7461d7bf4c843761c3748d28d7.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Clarity Over Chaos: Financial Planning Unpacked</title><link>https://www.spreaker.com/episode/clarity-over-chaos-financial-planning-unpacked--71067636</link><description><![CDATA[What happens when the little things you ignore turn into costly regrets—especially in retirement? Brad Ford shares candid stories about home projects, financial mistakes, and the dangers of putting off critical decisions. This episode tackles the real meaning of financial literacy, reveals why “what you don’t know” can hurt you more than “what you do,” and explores how clarity, second opinions, and written plans are essential for lasting confidence. Can your retirement path withstand surprises—lizards, leaks, or unexpected life changes—if you leave strategy to chance?<br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/71067636</guid><pubDate>Sat, 04 Apr 2026 13:00:02 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/71067636/refining_retirement_new_28_min_show_4_4_26.mp3" length="40437669" type="audio/mpeg"/><itunes:author>Chaesare Gray</itunes:author><itunes:subtitle>What happens when the little things you ignore turn into costly regrets—especially in retirement? Brad Ford shares candid stories about home projects, financial mistakes, and the dangers of putting off critical decisions. This episode tackles the real...</itunes:subtitle><itunes:summary><![CDATA[What happens when the little things you ignore turn into costly regrets—especially in retirement? Brad Ford shares candid stories about home projects, financial mistakes, and the dangers of putting off critical decisions. This episode tackles the real meaning of financial literacy, reveals why “what you don’t know” can hurt you more than “what you do,” and explores how clarity, second opinions, and written plans are essential for lasting confidence. Can your retirement path withstand surprises—lizards, leaks, or unexpected life changes—if you leave strategy to chance?<br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></itunes:summary><itunes:duration>1682</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/528f4d7461d7bf4c843761c3748d28d7.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Pickleball, Planning, and Purposeful Retirement</title><link>https://www.spreaker.com/episode/pickleball-planning-and-purposeful-retirement--70925971</link><description><![CDATA[Why has pickleball become the unexpected heartbeat of so many retirements? Join a lively ladies’ roundtable as they serve up stories of camaraderie, health, and the art of having fun at any age. Listen in for advice on staying resilient—physically, financially, and emotionally—through life’s next chapter. Discover what keeps people connected and thriving long after the workdays end, and hear practical tips that might just reshape your vision of retirement.<br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/70925971</guid><pubDate>Sat, 28 Mar 2026 13:00:02 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/70925971/refining_retirement_new_28_min_show_sat_sun_3_28_26.mp3" length="40436697" type="audio/mpeg"/><itunes:author>Chaesare Gray</itunes:author><itunes:subtitle>Why has pickleball become the unexpected heartbeat of so many retirements? Join a lively ladies’ roundtable as they serve up stories of camaraderie, health, and the art of having fun at any age. Listen in for advice on staying resilient—physically,...</itunes:subtitle><itunes:summary><![CDATA[Why has pickleball become the unexpected heartbeat of so many retirements? Join a lively ladies’ roundtable as they serve up stories of camaraderie, health, and the art of having fun at any age. Listen in for advice on staying resilient—physically, financially, and emotionally—through life’s next chapter. Discover what keeps people connected and thriving long after the workdays end, and hear practical tips that might just reshape your vision of retirement.<br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></itunes:summary><itunes:duration>1682</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/528f4d7461d7bf4c843761c3748d28d7.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Recession on the Horizon?</title><link>https://www.spreaker.com/episode/recession-on-the-horizon--70780171</link><description><![CDATA[Join Brad Ford and Dana for honest, practical conversations about retirement and personal finance. We tackle real questions—like “Am I okay? Will my money last?”—and guide you through budgeting, Social Security, tax strategies, and planning for life’s uncertainties. Our goal is to provide support, organization, and advice so you feel confident about your financial future. Whether you’re just starting or updating your plan, we help simplify the process and empower you to live the retirement you’ve dreamed of.<br /><br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/70780171</guid><pubDate>Sat, 21 Mar 2026 13:00:02 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/70780171/recession_on_the_horizon.mp3" length="40436202" type="audio/mpeg"/><itunes:author>Chaesare Gray</itunes:author><itunes:subtitle>Join Brad Ford and Dana for honest, practical conversations about retirement and personal finance. We tackle real questions—like “Am I okay? Will my money last?”—and guide you through budgeting, Social Security, tax strategies, and planning for life’s...</itunes:subtitle><itunes:summary><![CDATA[Join Brad Ford and Dana for honest, practical conversations about retirement and personal finance. We tackle real questions—like “Am I okay? Will my money last?”—and guide you through budgeting, Social Security, tax strategies, and planning for life’s uncertainties. Our goal is to provide support, organization, and advice so you feel confident about your financial future. Whether you’re just starting or updating your plan, we help simplify the process and empower you to live the retirement you’ve dreamed of.<br /><br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></itunes:summary><itunes:duration>1682</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/528f4d7461d7bf4c843761c3748d28d7.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Hidden Obstacles</title><link>https://www.spreaker.com/episode/hidden-obstacles--70611562</link><description><![CDATA[To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/70611562</guid><pubDate>Sat, 14 Mar 2026 13:00:02 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/70611562/refining_retirement_new_28_min_show_3_14_26.mp3" length="40434258" type="audio/mpeg"/><itunes:author>Chaesare Gray</itunes:author><itunes:duration>1682</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/528f4d7461d7bf4c843761c3748d28d7.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Discomfort, Duets, and Dollars</title><link>https://www.spreaker.com/episode/discomfort-duets-and-dollars--70512304</link><description><![CDATA[What happens when you chase discomfort and laugh in the face of uncertainty? From wild duets in public to facing financial fears, this episode unpacks the messy, exhilarating journey of growth. Whether crafting offbeat country love songs or redefining retirement as unemployment, the conversation embraces challenges, awkward moments, and personal reinventions, all with a sense of fun and unpredictability. The real surprises—both in relationships and financial planning—are left to discover.<br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/70512304</guid><pubDate>Sat, 07 Mar 2026 14:00:03 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/70512304/refining_retirement_28_min_show_3_7_26.mp3" length="40433788" type="audio/mpeg"/><itunes:author>Chaesare Gray</itunes:author><itunes:subtitle>What happens when you chase discomfort and laugh in the face of uncertainty? From wild duets in public to facing financial fears, this episode unpacks the messy, exhilarating journey of growth. Whether crafting offbeat country love songs or redefining...</itunes:subtitle><itunes:summary><![CDATA[What happens when you chase discomfort and laugh in the face of uncertainty? From wild duets in public to facing financial fears, this episode unpacks the messy, exhilarating journey of growth. Whether crafting offbeat country love songs or redefining retirement as unemployment, the conversation embraces challenges, awkward moments, and personal reinventions, all with a sense of fun and unpredictability. The real surprises—both in relationships and financial planning—are left to discover.<br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></itunes:summary><itunes:duration>1682</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/528f4d7461d7bf4c843761c3748d28d7.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Social Security COLA: What You Should Watch Out For</title><link>https://www.spreaker.com/episode/social-security-cola-what-you-should-watch-out-for--70332173</link><description><![CDATA[What happens when your retirement income doesn’t keep pace with rising costs? In this episode, we uncover the pitfalls of relying on Social Security, reveal why COLA adjustments often disappoint, and spotlight overlooked planning strategies for long-term financial security. Expect candid conversations about budgeting for both essentials and dreams—plus the emotional side of stepping into retirement. Are you prepared for what’s coming next? The details may surprise you.<br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/70332173</guid><pubDate>Sat, 28 Feb 2026 14:00:02 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/70332173/social_security_cola_what_you_should_watch_out_for.mp3" length="40433782" type="audio/mpeg"/><itunes:author>Chaesare Gray</itunes:author><itunes:subtitle>What happens when your retirement income doesn’t keep pace with rising costs? In this episode, we uncover the pitfalls of relying on Social Security, reveal why COLA adjustments often disappoint, and spotlight overlooked planning strategies for...</itunes:subtitle><itunes:summary><![CDATA[What happens when your retirement income doesn’t keep pace with rising costs? In this episode, we uncover the pitfalls of relying on Social Security, reveal why COLA adjustments often disappoint, and spotlight overlooked planning strategies for long-term financial security. Expect candid conversations about budgeting for both essentials and dreams—plus the emotional side of stepping into retirement. Are you prepared for what’s coming next? The details may surprise you.<br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></itunes:summary><itunes:duration>1682</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/528f4d7461d7bf4c843761c3748d28d7.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Are You a Hidden Millionaire - February 21, 2026</title><link>https://www.spreaker.com/episode/are-you-a-hidden-millionaire-february-21-2026--70332039</link><description><![CDATA[Could your biggest retirement risk be lurking in plain sight? Discover the subtle cracks that threaten even the most solid nest eggs—from tax time bombs to neglected investment diversification. Brad Ford shares personal stories, real listener questions, and practical wisdom as he unpacks the challenges of protecting your legacy and fine-tuning your financial future. But what truly makes a retirement plan “ready”? The answers aren’t always what you expect.<br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/70332039</guid><pubDate>Fri, 27 Feb 2026 15:15:45 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/70332039/are_you_a_hidden_millionaire.mp3" length="40432800" type="audio/mpeg"/><itunes:author>Chaesare Gray</itunes:author><itunes:subtitle>Could your biggest retirement risk be lurking in plain sight? Discover the subtle cracks that threaten even the most solid nest eggs—from tax time bombs to neglected investment diversification. Brad Ford shares personal stories, real listener...</itunes:subtitle><itunes:summary><![CDATA[Could your biggest retirement risk be lurking in plain sight? Discover the subtle cracks that threaten even the most solid nest eggs—from tax time bombs to neglected investment diversification. Brad Ford shares personal stories, real listener questions, and practical wisdom as he unpacks the challenges of protecting your legacy and fine-tuning your financial future. But what truly makes a retirement plan “ready”? The answers aren’t always what you expect.<br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></itunes:summary><itunes:duration>1682</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/528f4d7461d7bf4c843761c3748d28d7.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Fiscal House Party - February 14, 2026</title><link>https://www.spreaker.com/episode/fiscal-house-party-february-14-2026--70019177</link><description><![CDATA[Is your retirement plan just a dream, or a roadmap to real freedom? Discover how small daily habits can quietly sabotage your nest egg—and the surprising power of intentional choices to create unforgettable experiences. With candid conversations about budgeting, tax strategies, and the complexities of retiring as a couple, this episode sets a thoughtful, encouraging mood for anyone hoping to turn hard-earned savings into a life well-lived. What financial cracks might you be missing, and how can you make sure your “next chapter” is written on your terms?<br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/70019177</guid><pubDate>Sat, 14 Feb 2026 14:00:02 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/70019177/refining_retirement_new_30_min_show_2_14_26.mp3" length="43337214" type="audio/mpeg"/><itunes:author>Chaesare Gray</itunes:author><itunes:subtitle>Is your retirement plan just a dream, or a roadmap to real freedom? Discover how small daily habits can quietly sabotage your nest egg—and the surprising power of intentional choices to create unforgettable experiences. With candid conversations about...</itunes:subtitle><itunes:summary><![CDATA[Is your retirement plan just a dream, or a roadmap to real freedom? Discover how small daily habits can quietly sabotage your nest egg—and the surprising power of intentional choices to create unforgettable experiences. With candid conversations about budgeting, tax strategies, and the complexities of retiring as a couple, this episode sets a thoughtful, encouraging mood for anyone hoping to turn hard-earned savings into a life well-lived. What financial cracks might you be missing, and how can you make sure your “next chapter” is written on your terms?<br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></itunes:summary><itunes:duration>1803</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/528f4d7461d7bf4c843761c3748d28d7.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Mailbag Questions - February 7, 2026</title><link>https://www.spreaker.com/episode/mailbag-questions-february-7-2026--69822803</link><description><![CDATA[Join Brad Ford and Dana for honest, practical conversations about retirement and personal finance. We tackle real questions—like “Am I okay? Will my money last?”—and guide you through budgeting, Social Security, tax strategies, and planning for life’s uncertainties. Our goal is to provide support, organization, and expert advice so you feel confident about your financial future. Whether you’re just starting or updating your plan, we help simplify the process and empower you to live the retirement you’ve dreamed of.<br /><br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/69822803</guid><pubDate>Sat, 07 Feb 2026 14:00:02 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/69822803/refining_retirement_2_7_26.mp3" length="40431329" type="audio/mpeg"/><itunes:author>Chaesare Gray</itunes:author><itunes:subtitle>Join Brad Ford and Dana for honest, practical conversations about retirement and personal finance. We tackle real questions—like “Am I okay? Will my money last?”—and guide you through budgeting, Social Security, tax strategies, and planning for life’s...</itunes:subtitle><itunes:summary><![CDATA[Join Brad Ford and Dana for honest, practical conversations about retirement and personal finance. We tackle real questions—like “Am I okay? Will my money last?”—and guide you through budgeting, Social Security, tax strategies, and planning for life’s uncertainties. Our goal is to provide support, organization, and expert advice so you feel confident about your financial future. Whether you’re just starting or updating your plan, we help simplify the process and empower you to live the retirement you’ve dreamed of.<br /><br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></itunes:summary><itunes:duration>1682</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/528f4d7461d7bf4c843761c3748d28d7.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Inheritance Insights - January 31, 2026</title><link>https://www.spreaker.com/episode/inheritance-insights-january-31-2026--69694802</link><description><![CDATA[Join Brad Ford and Dana for honest, practical conversations about retirement and personal finance. We tackle real questions—like “Am I okay? Will my money last?”—and guide you through budgeting, Social Security, tax strategies, and planning for life’s uncertainties. Our goal is to provide support, organization, and expert advice so you feel confident about your financial future. Whether you’re just starting or updating your plan, we help simplify the process and empower you to live the retirement you’ve dreamed of.<br /><br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/69694802</guid><pubDate>Mon, 02 Feb 2026 11:00:09 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/69694802/refining_retirement_new_28_min_show_1_31_26.mp3" length="40430843" type="audio/mpeg"/><itunes:author>Chaesare Gray</itunes:author><itunes:subtitle>Join Brad Ford and Dana for honest, practical conversations about retirement and personal finance. We tackle real questions—like “Am I okay? Will my money last?”—and guide you through budgeting, Social Security, tax strategies, and planning for life’s...</itunes:subtitle><itunes:summary><![CDATA[Join Brad Ford and Dana for honest, practical conversations about retirement and personal finance. We tackle real questions—like “Am I okay? Will my money last?”—and guide you through budgeting, Social Security, tax strategies, and planning for life’s uncertainties. Our goal is to provide support, organization, and expert advice so you feel confident about your financial future. Whether you’re just starting or updating your plan, we help simplify the process and empower you to live the retirement you’ve dreamed of.<br /><br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></itunes:summary><itunes:duration>1682</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/528f4d7461d7bf4c843761c3748d28d7.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Breaking the Saving Habit - January 24, 2026</title><link>https://www.spreaker.com/episode/breaking-the-saving-habit-january-24-2026--69561494</link><description><![CDATA[Join Brad Ford and Dana for honest, practical conversations about retirement and personal finance. We tackle real questions—like “Am I okay? Will my money last?”—and guide you through budgeting, Social Security, tax strategies, and planning for life’s uncertainties. Our goal is to provide support, organization, and expert advice so you feel confident about your financial future. Whether you’re just starting or updating your plan, we help simplify the process and empower you to live the retirement you’ve dreamed of.<br /><br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/69561494</guid><pubDate>Mon, 26 Jan 2026 11:00:09 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/69561494/refining_retirement_new_28_min_show_1_24_26.mp3" length="40430357" type="audio/mpeg"/><itunes:author>Chaesare Gray</itunes:author><itunes:subtitle>Join Brad Ford and Dana for honest, practical conversations about retirement and personal finance. We tackle real questions—like “Am I okay? Will my money last?”—and guide you through budgeting, Social Security, tax strategies, and planning for life’s...</itunes:subtitle><itunes:summary><![CDATA[Join Brad Ford and Dana for honest, practical conversations about retirement and personal finance. We tackle real questions—like “Am I okay? Will my money last?”—and guide you through budgeting, Social Security, tax strategies, and planning for life’s uncertainties. Our goal is to provide support, organization, and expert advice so you feel confident about your financial future. Whether you’re just starting or updating your plan, we help simplify the process and empower you to live the retirement you’ve dreamed of.<br /><br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></itunes:summary><itunes:duration>1682</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/528f4d7461d7bf4c843761c3748d28d7.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Cracks in the Foundation - January 17, 2026</title><link>https://www.spreaker.com/episode/cracks-in-the-foundation-january-17-2026--69474107</link><description><![CDATA[Join Brad Ford and Dana for honest, practical conversations about retirement and personal finance. We tackle real questions—like “Am I okay? Will my money last?”—and guide you through budgeting, Social Security, tax strategies, and planning for life’s uncertainties. Our goal is to provide support, organization, and expert advice so you feel confident about your financial future. Whether you’re just starting or updating your plan, we help simplify the process and empower you to live the retirement you’ve dreamed of.<br /><br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/69474107</guid><pubDate>Mon, 19 Jan 2026 11:00:08 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/69474107/wohi_refining_retirement_new_28_min_show_1_17_26.mp3" length="40429885" type="audio/mpeg"/><itunes:author>Chaesare Gray</itunes:author><itunes:subtitle>Join Brad Ford and Dana for honest, practical conversations about retirement and personal finance. We tackle real questions—like “Am I okay? Will my money last?”—and guide you through budgeting, Social Security, tax strategies, and planning for life’s...</itunes:subtitle><itunes:summary><![CDATA[Join Brad Ford and Dana for honest, practical conversations about retirement and personal finance. We tackle real questions—like “Am I okay? Will my money last?”—and guide you through budgeting, Social Security, tax strategies, and planning for life’s uncertainties. Our goal is to provide support, organization, and expert advice so you feel confident about your financial future. Whether you’re just starting or updating your plan, we help simplify the process and empower you to live the retirement you’ve dreamed of.<br /><br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></itunes:summary><itunes:duration>1682</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/528f4d7461d7bf4c843761c3748d28d7.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Breaking Bad Financial Habits - December 20, 2025</title><link>https://www.spreaker.com/episode/breaking-bad-financial-habits-december-20-2025--69167573</link><description><![CDATA[Join Brad Ford and Dana for honest, practical conversations about retirement and personal finance. We tackle real questions—like “Am I okay? Will my money last?”—and guide you through budgeting, Social Security, tax strategies, and planning for life’s uncertainties. Our goal is to provide support, organization, and expert advice so you feel confident about your financial future. Whether you’re just starting or updating your plan, we help simplify the process and empower you to live the retirement you’ve dreamed of.<br /><br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/69167573</guid><pubDate>Mon, 22 Dec 2025 14:47:23 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/69167573/breaking_bad_financial_habits_december_20_2025.mp3" length="76422632" type="audio/mpeg"/><itunes:author>Chaesare Gray</itunes:author><itunes:subtitle>Join Brad Ford and Dana for honest, practical conversations about retirement and personal finance. We tackle real questions—like “Am I okay? Will my money last?”—and guide you through budgeting, Social Security, tax strategies, and planning for life’s...</itunes:subtitle><itunes:summary><![CDATA[Join Brad Ford and Dana for honest, practical conversations about retirement and personal finance. We tackle real questions—like “Am I okay? Will my money last?”—and guide you through budgeting, Social Security, tax strategies, and planning for life’s uncertainties. Our goal is to provide support, organization, and expert advice so you feel confident about your financial future. Whether you’re just starting or updating your plan, we help simplify the process and empower you to live the retirement you’ve dreamed of.<br /><br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></itunes:summary><itunes:duration>3180</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/528f4d7461d7bf4c843761c3748d28d7.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Advanced Financial Planning Strategies - December 6, 2025</title><link>https://www.spreaker.com/episode/advanced-financial-planning-strategies-december-6-2025--68904088</link><description><![CDATA[Join Brad Ford and Dana for honest, practical conversations about retirement and personal finance. We tackle real questions—like “Am I okay? Will my money last?”—and guide you through budgeting, Social Security, tax strategies, and planning for life’s uncertainties. Our goal is to provide support, organization, and expert advice so you feel confident about your financial future. Whether you’re just starting or updating your plan, we help simplify the process and empower you to live the retirement you’ve dreamed of.<br /><br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/68904088</guid><pubDate>Mon, 08 Dec 2025 11:00:08 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/68904088/advanced_financial_planning_strategies_december_6_2025.mp3" length="75701918" type="audio/mpeg"/><itunes:author>Chaesare Gray</itunes:author><itunes:subtitle>Join Brad Ford and Dana for honest, practical conversations about retirement and personal finance. We tackle real questions—like “Am I okay? Will my money last?”—and guide you through budgeting, Social Security, tax strategies, and planning for life’s...</itunes:subtitle><itunes:summary><![CDATA[Join Brad Ford and Dana for honest, practical conversations about retirement and personal finance. We tackle real questions—like “Am I okay? Will my money last?”—and guide you through budgeting, Social Security, tax strategies, and planning for life’s uncertainties. Our goal is to provide support, organization, and expert advice so you feel confident about your financial future. Whether you’re just starting or updating your plan, we help simplify the process and empower you to live the retirement you’ve dreamed of.<br /><br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></itunes:summary><itunes:duration>3150</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/528f4d7461d7bf4c843761c3748d28d7.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Beyond the Nest Egg - November 29, 2025</title><link>https://www.spreaker.com/episode/beyond-the-nest-egg-november-29-2025--68758518</link><description><![CDATA[Join Brad Ford and Dana for honest, practical conversations about retirement and personal finance. We tackle real questions—like “Am I okay? Will my money last?”—and guide you through budgeting, Social Security, tax strategies, and planning for life’s uncertainties. Our goal is to provide support, organization, and expert advice so you feel confident about your financial future. Whether you’re just starting or updating your plan, we help simplify the process and empower you to live the retirement you’ve dreamed of.<br /><br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/68758518</guid><pubDate>Mon, 01 Dec 2025 11:00:08 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/68758518/refining_retirement_full_11_29_25.mp3" length="75701446" type="audio/mpeg"/><itunes:author>Chaesare Gray</itunes:author><itunes:subtitle>Join Brad Ford and Dana for honest, practical conversations about retirement and personal finance. We tackle real questions—like “Am I okay? Will my money last?”—and guide you through budgeting, Social Security, tax strategies, and planning for life’s...</itunes:subtitle><itunes:summary><![CDATA[Join Brad Ford and Dana for honest, practical conversations about retirement and personal finance. We tackle real questions—like “Am I okay? Will my money last?”—and guide you through budgeting, Social Security, tax strategies, and planning for life’s uncertainties. Our goal is to provide support, organization, and expert advice so you feel confident about your financial future. Whether you’re just starting or updating your plan, we help simplify the process and empower you to live the retirement you’ve dreamed of.<br /><br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></itunes:summary><itunes:duration>3150</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/528f4d7461d7bf4c843761c3748d28d7.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Four Questions About Retirement and More - November 15, 2025</title><link>https://www.spreaker.com/episode/four-questions-about-retirement-and-more-november-15-2025--68571818</link><description><![CDATA[Join Brad Ford and Dana for honest, practical conversations about retirement and personal finance. We tackle real questions—like “Am I okay? Will my money last?”—and guide you through budgeting, Social Security, tax strategies, and planning for life’s uncertainties. Our goal is to provide support, organization, and expert advice so you feel confident about your financial future. Whether you’re just starting or updating your plan, we help simplify the process and empower you to live the retirement you’ve dreamed of.<br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/68571818</guid><pubDate>Mon, 17 Nov 2025 11:00:08 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/68571818/refining_retirement_full_11_15_25.mp3" length="77119849" type="audio/mpeg"/><itunes:author>Chaesare Gray</itunes:author><itunes:subtitle>Join Brad Ford and Dana for honest, practical conversations about retirement and personal finance. We tackle real questions—like “Am I okay? Will my money last?”—and guide you through budgeting, Social Security, tax strategies, and planning for life’s...</itunes:subtitle><itunes:summary><![CDATA[Join Brad Ford and Dana for honest, practical conversations about retirement and personal finance. We tackle real questions—like “Am I okay? Will my money last?”—and guide you through budgeting, Social Security, tax strategies, and planning for life’s uncertainties. Our goal is to provide support, organization, and expert advice so you feel confident about your financial future. Whether you’re just starting or updating your plan, we help simplify the process and empower you to live the retirement you’ve dreamed of.<br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></itunes:summary><itunes:duration>3210</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/528f4d7461d7bf4c843761c3748d28d7.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Retirement Under the Microscope - November 8, 2025</title><link>https://www.spreaker.com/episode/retirement-under-the-microscope-november-8-2025--68464244</link><description><![CDATA[To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/68464244</guid><pubDate>Mon, 10 Nov 2025 11:00:08 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/68464244/retirement_under_the_microscope_full_11_8_25.mp3" length="77141933" type="audio/mpeg"/><itunes:author>Chaesare Gray</itunes:author><itunes:duration>3211</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/528f4d7461d7bf4c843761c3748d28d7.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Preserving and Growing Your Retirement Assets - November 1, 2025</title><link>https://www.spreaker.com/episode/preserving-and-growing-your-retirement-assets-november-1-2025--68365169</link><description><![CDATA[To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/68365169</guid><pubDate>Mon, 03 Nov 2025 11:00:09 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/68365169/refining_retirement_full_11_1_25_revised.mp3" length="76408077" type="audio/mpeg"/><itunes:author>Chaesare Gray</itunes:author><itunes:duration>3180</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/528f4d7461d7bf4c843761c3748d28d7.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>The Power of Financial Planning - October 18, 2025</title><link>https://www.spreaker.com/episode/the-power-of-financial-planning-october-18-2025--68179345</link><description><![CDATA[To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/68179345</guid><pubDate>Mon, 20 Oct 2025 10:00:10 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/68179345/refining_retirement_full_10_18_25.mp3" length="76417772" type="audio/mpeg"/><itunes:author>Chaesare Gray</itunes:author><itunes:duration>3180</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/528f4d7461d7bf4c843761c3748d28d7.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Retirement Financial Check-up - October 4, 2025</title><link>https://www.spreaker.com/episode/retirement-financial-check-up-october-4-2025--68001385</link><description><![CDATA[Download our FREE helpful resource, “Your Retirement Income Planning Checklist”Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.<br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/68001385</guid><pubDate>Mon, 06 Oct 2025 10:00:08 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/68001385/refining_retirement_full_10_1_25.mp3" length="77098902" type="audio/mpeg"/><itunes:author>Chaesare Gray</itunes:author><itunes:subtitle>Download our FREE helpful resource, “Your Retirement Income Planning Checklist”Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor....</itunes:subtitle><itunes:summary><![CDATA[Download our FREE helpful resource, “Your Retirement Income Planning Checklist”Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.<br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></itunes:summary><itunes:duration>3209</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/528f4d7461d7bf4c843761c3748d28d7.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Creating a Lasting Legacy - September 20, 2025</title><link>https://www.spreaker.com/episode/creating-a-lasting-legacy-september-20-2025--67822492</link><description><![CDATA[Download our FREE helpful resource, “Your Retirement Income Planning Checklist”Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.<br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/67822492</guid><pubDate>Mon, 22 Sep 2025 10:00:08 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/67822492/creating_a_lasting_legacy_9_20_25.mp3" length="76411423" type="audio/mpeg"/><itunes:author>Chaesare Gray</itunes:author><itunes:subtitle>Download our FREE helpful resource, “Your Retirement Income Planning Checklist”Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor....</itunes:subtitle><itunes:summary><![CDATA[Download our FREE helpful resource, “Your Retirement Income Planning Checklist”Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.<br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></itunes:summary><itunes:duration>3180</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/528f4d7461d7bf4c843761c3748d28d7.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Windfalls and Wisdom - September 13, 2025</title><link>https://www.spreaker.com/episode/windfalls-and-wisdom-september-13-2025--67736522</link><description><![CDATA[Download our FREE helpful resource, “Your Retirement Income Planning Checklist”Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.<br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/67736522</guid><pubDate>Mon, 15 Sep 2025 10:00:09 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/67736522/refining_retirement_full_9_13_25.mp3" length="77857912" type="audio/mpeg"/><itunes:author>Chaesare Gray</itunes:author><itunes:subtitle>Download our FREE helpful resource, “Your Retirement Income Planning Checklist”Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor....</itunes:subtitle><itunes:summary><![CDATA[Download our FREE helpful resource, “Your Retirement Income Planning Checklist”Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.<br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></itunes:summary><itunes:duration>3241</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/528f4d7461d7bf4c843761c3748d28d7.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Planning for Life’s Final Chapter: Guest Jordan Duncan &amp; Rachel Smith - September 6, 2025</title><link>https://www.spreaker.com/episode/planning-for-life-s-final-chapter-guest-jordan-duncan-rachel-smith-september-6-2025--67647666</link><description><![CDATA[Download our FREE helpful resource, “Your Retirement Income Planning Checklist”Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.<br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/67647666</guid><pubDate>Mon, 08 Sep 2025 10:00:08 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/67647666/refining_retirement_full_9_6_25.mp3" length="77857426" type="audio/mpeg"/><itunes:author>Chaesare Gray</itunes:author><itunes:subtitle>Download our FREE helpful resource, “Your Retirement Income Planning Checklist”Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor....</itunes:subtitle><itunes:summary><![CDATA[Download our FREE helpful resource, “Your Retirement Income Planning Checklist”Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.<br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></itunes:summary><itunes:duration>3241</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/528f4d7461d7bf4c843761c3748d28d7.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Medicare Enrollment with Guest Christie Adcock - August 30, 2025</title><link>https://www.spreaker.com/episode/medicare-enrollment-with-guest-christie-adcock-august-30-2025--67557502</link><description><![CDATA[Download our FREE helpful resource, “Your Retirement Income Planning Checklist”Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.<br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/67557502</guid><pubDate>Mon, 01 Sep 2025 10:00:09 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/67557502/refining_retirement_new_28_min_show_8_30_25.mp3" length="40419175" type="audio/mpeg"/><itunes:author>Chaesare Gray</itunes:author><itunes:subtitle>Download our FREE helpful resource, “Your Retirement Income Planning Checklist”Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor....</itunes:subtitle><itunes:summary><![CDATA[Download our FREE helpful resource, “Your Retirement Income Planning Checklist”Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.<br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></itunes:summary><itunes:duration>1682</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/528f4d7461d7bf4c843761c3748d28d7.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Money Challenges in Retirement - August 16, 2025</title><link>https://www.spreaker.com/episode/money-challenges-in-retirement-august-16-2025--67381095</link><description><![CDATA[Download our FREE helpful resource, “Your Retirement Income Planning Checklist”Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.<br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/67381095</guid><pubDate>Mon, 18 Aug 2025 10:00:08 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/67381095/refining_retirement_full_8_16_25.mp3" length="76414935" type="audio/mpeg"/><itunes:author>Chaesare Gray</itunes:author><itunes:subtitle>Download our FREE helpful resource, “Your Retirement Income Planning Checklist”Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor....</itunes:subtitle><itunes:summary><![CDATA[Download our FREE helpful resource, “Your Retirement Income Planning Checklist”Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.<br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></itunes:summary><itunes:duration>3181</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/528f4d7461d7bf4c843761c3748d28d7.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>More About Building Your Financial House - July 26, 2025</title><link>https://www.spreaker.com/episode/more-about-building-your-financial-house-july-26-2025--67117279</link><description><![CDATA[Download our FREE helpful resource, “Your Retirement Income Planning Checklist”Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.<br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/67117279</guid><pubDate>Mon, 28 Jul 2025 10:00:07 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/67117279/refining_retirement_full_7_26_25.mp3" length="77131317" type="audio/mpeg"/><itunes:author>Chaesare Gray</itunes:author><itunes:subtitle>Download our FREE helpful resource, “Your Retirement Income Planning Checklist”Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor....</itunes:subtitle><itunes:summary><![CDATA[Download our FREE helpful resource, “Your Retirement Income Planning Checklist”Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.<br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></itunes:summary><itunes:duration>3210</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/528f4d7461d7bf4c843761c3748d28d7.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Building Your Financial House ft. Guest Mel Stewart - July 19, 2025</title><link>https://www.spreaker.com/episode/building-your-financial-house-ft-guest-mel-stewart-july-19-2025--67030831</link><description><![CDATA[Download our FREE helpful resource, “Your Retirement Income Planning Checklist”Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.<br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/67030831</guid><pubDate>Mon, 21 Jul 2025 10:00:08 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/67030831/refining_retirement_full_7_19_25.mp3" length="77119708" type="audio/mpeg"/><itunes:author>Chaesare Gray</itunes:author><itunes:subtitle>Download our FREE helpful resource, “Your Retirement Income Planning Checklist”Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor....</itunes:subtitle><itunes:summary><![CDATA[Download our FREE helpful resource, “Your Retirement Income Planning Checklist”Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.<br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></itunes:summary><itunes:duration>3210</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/528f4d7461d7bf4c843761c3748d28d7.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Money Challenges in Retirement - June 14, 2025</title><link>https://www.spreaker.com/episode/money-challenges-in-retirement-june-14-2025--66549461</link><description><![CDATA[Download our FREE helpful resource, “Your Retirement Income Planning Checklist”Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.<br /><br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/66549461</guid><pubDate>Mon, 16 Jun 2025 10:00:08 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/66549461/refining_retirement_full_6_14_25.mp3" length="77865705" type="audio/mpeg"/><itunes:author>Chaesare Gray</itunes:author><itunes:subtitle>Download our FREE helpful resource, “Your Retirement Income Planning Checklist”Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor....</itunes:subtitle><itunes:summary><![CDATA[Download our FREE helpful resource, “Your Retirement Income Planning Checklist”Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.<br /><br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></itunes:summary><itunes:duration>3241</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/528f4d7461d7bf4c843761c3748d28d7.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Four Questions in Retirement - June 7, 2025</title><link>https://www.spreaker.com/episode/four-questions-in-retirement-june-7-2025--66423566</link><description><![CDATA[Download our FREE helpful resource, “Your Retirement Income Planning Checklist”Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.<br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/66423566</guid><pubDate>Mon, 09 Jun 2025 10:00:08 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/66423566/refining_retirement_full_6_7_25.mp3" length="77865224" type="audio/mpeg"/><itunes:author>Chaesare Gray</itunes:author><itunes:subtitle>Download our FREE helpful resource, “Your Retirement Income Planning Checklist”Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor....</itunes:subtitle><itunes:summary><![CDATA[Download our FREE helpful resource, “Your Retirement Income Planning Checklist”Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.<br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></itunes:summary><itunes:duration>3241</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/528f4d7461d7bf4c843761c3748d28d7.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Financial Habits to Break - May 17, 2025</title><link>https://www.spreaker.com/episode/financial-habits-to-break-may-17-2025--66124925</link><description><![CDATA[Download our FREE helpful resource, “Your Retirement Income Planning Checklist”Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.<br /><br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/66124925</guid><pubDate>Mon, 19 May 2025 10:00:07 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/66124925/refining_retirement_full_5_17_25.mp3" length="77128836" type="audio/mpeg"/><itunes:author>Chaesare Gray</itunes:author><itunes:subtitle>Download our FREE helpful resource, “Your Retirement Income Planning Checklist”Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor....</itunes:subtitle><itunes:summary><![CDATA[Download our FREE helpful resource, “Your Retirement Income Planning Checklist”Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.<br /><br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></itunes:summary><itunes:duration>3210</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/528f4d7461d7bf4c843761c3748d28d7.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Retirement Planning for Women - May 10, 2025</title><link>https://www.spreaker.com/episode/retirement-planning-for-women-may-10-2025--66055681</link><description><![CDATA[Download our FREE helpful resource, “Your Retirement Income Planning Checklist”Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.<br /><br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/66055681</guid><pubDate>Mon, 12 May 2025 14:55:24 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/66055681/refining_retirement_full_5_10_25.mp3" length="77863273" type="audio/mpeg"/><itunes:author>Chaesare Gray</itunes:author><itunes:subtitle>Download our FREE helpful resource, “Your Retirement Income Planning Checklist”Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor....</itunes:subtitle><itunes:summary><![CDATA[Download our FREE helpful resource, “Your Retirement Income Planning Checklist”Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.<br /><br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></itunes:summary><itunes:duration>3241</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/528f4d7461d7bf4c843761c3748d28d7.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Headlines &amp; Market Volatility - April 26, 2025</title><link>https://www.spreaker.com/episode/headlines-market-volatility-april-26-2025--65784117</link><description><![CDATA[Download our FREE helpful resource, “Your Retirement Income Planning Checklist”Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.<br /><br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/65784117</guid><pubDate>Mon, 28 Apr 2025 19:17:30 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/65784117/refining_retirement_full_4_26_25.mp3" length="77141922" type="audio/mpeg"/><itunes:author>Chaesare Gray</itunes:author><itunes:subtitle>Download our FREE helpful resource, “Your Retirement Income Planning Checklist”Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor....</itunes:subtitle><itunes:summary><![CDATA[Download our FREE helpful resource, “Your Retirement Income Planning Checklist”Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.<br /><br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></itunes:summary><itunes:duration>3211</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/528f4d7461d7bf4c843761c3748d28d7.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Retirement Checklist - April 19, 2025</title><link>https://www.spreaker.com/episode/retirement-checklist-april-19-2025--65653411</link><description><![CDATA[Download our FREE helpful resource, “Your Retirement Income Planning Checklist”Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.<br /><br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/65653411</guid><pubDate>Mon, 21 Apr 2025 15:43:33 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/65653411/refining_retirement_full_4_19_25.mp3" length="77076994" type="audio/mpeg"/><itunes:author>Chaesare Gray</itunes:author><itunes:subtitle>Download our FREE helpful resource, “Your Retirement Income Planning Checklist”Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor....</itunes:subtitle><itunes:summary><![CDATA[Download our FREE helpful resource, “Your Retirement Income Planning Checklist”Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.<br /><br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></itunes:summary><itunes:duration>3208</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/528f4d7461d7bf4c843761c3748d28d7.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Behavioral Finance (ft Guest Judy Halstead)- March 5, 2025</title><link>https://www.spreaker.com/episode/behavioral-finance-ft-guest-judy-halstead-march-5-2025--65339595</link><description><![CDATA[Download our FREE helpful resource, “Your Retirement Income Planning Checklist”Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.<br /><br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/65339595</guid><pubDate>Mon, 07 Apr 2025 10:00:07 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/65339595/refining_retirement_full_4_5_25.mp3" length="76406244" type="audio/mpeg"/><itunes:author>Chaesare Gray</itunes:author><itunes:subtitle>Download our FREE helpful resource, “Your Retirement Income Planning Checklist”Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor....</itunes:subtitle><itunes:summary><![CDATA[Download our FREE helpful resource, “Your Retirement Income Planning Checklist”Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.<br /><br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></itunes:summary><itunes:duration>3180</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/528f4d7461d7bf4c843761c3748d28d7.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Risks in retirement - March 29, 2025</title><link>https://www.spreaker.com/episode/risks-in-retirement-march-29-2025--65170138</link><description><![CDATA[Download our FREE helpful resource, “Your Retirement Income Planning Checklist”Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.<br /><br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/65170138</guid><pubDate>Mon, 31 Mar 2025 10:00:08 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/65170138/refining_retirement_full_3_29_25.mp3" length="76414319" type="audio/mpeg"/><itunes:author>Chaesare Gray</itunes:author><itunes:subtitle>Download our FREE helpful resource, “Your Retirement Income Planning Checklist”Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor....</itunes:subtitle><itunes:summary><![CDATA[Download our FREE helpful resource, “Your Retirement Income Planning Checklist”Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.<br /><br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></itunes:summary><itunes:duration>3180</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/528f4d7461d7bf4c843761c3748d28d7.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Creating a Lasting Legacy - March 22, 2025</title><link>https://www.spreaker.com/episode/creating-a-lasting-legacy-march-22-2025--65020148</link><description><![CDATA[Download our FREE helpful resource, “Your Retirement Income Planning Checklist”Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.<br /><br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/65020148</guid><pubDate>Mon, 24 Mar 2025 10:00:07 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/65020148/refining_retirement_full_show_3_22_25.mp3" length="77876622" type="audio/mpeg"/><itunes:author>Chaesare Gray</itunes:author><itunes:subtitle>Download our FREE helpful resource, “Your Retirement Income Planning Checklist”Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor....</itunes:subtitle><itunes:summary><![CDATA[Download our FREE helpful resource, “Your Retirement Income Planning Checklist”Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.<br /><br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></itunes:summary><itunes:duration>3241</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/528f4d7461d7bf4c843761c3748d28d7.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Financial Habits to Break - March 15, 2025</title><link>https://www.spreaker.com/episode/financial-habits-to-break-march-15-2025--64934665</link><description><![CDATA[Download our FREE helpful resource, “Your Retirement Income Planning Checklist”Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.<br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/64934665</guid><pubDate>Mon, 17 Mar 2025 14:00:44 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/64934665/refining_retirement_full_show_3_15_25.mp3" length="77110645" type="audio/mpeg"/><itunes:author>Chaesare Gray</itunes:author><itunes:subtitle>Download our FREE helpful resource, “Your Retirement Income Planning Checklist”Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor....</itunes:subtitle><itunes:summary><![CDATA[Download our FREE helpful resource, “Your Retirement Income Planning Checklist”Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.<br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></itunes:summary><itunes:duration>3210</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/528f4d7461d7bf4c843761c3748d28d7.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Three Risks - March 8, 2025</title><link>https://www.spreaker.com/episode/three-risks-march-8-2025--64934614</link><description><![CDATA[ Download our FREE helpful resource, “Your Retirement Income Planning Checklist”Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.<br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/64934614</guid><pubDate>Mon, 17 Mar 2025 13:55:23 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/64934614/refining_retirement_full_3_8_25.mp3" length="77120188" type="audio/mpeg"/><itunes:author>Chaesare Gray</itunes:author><itunes:subtitle> Download our FREE helpful resource, “Your Retirement Income Planning Checklist”Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment...</itunes:subtitle><itunes:summary><![CDATA[ Download our FREE helpful resource, “Your Retirement Income Planning Checklist”Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.<br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></itunes:summary><itunes:duration>3210</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/528f4d7461d7bf4c843761c3748d28d7.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Risk in Retirement - March 1, 2025</title><link>https://www.spreaker.com/episode/risk-in-retirement-march-1-2025--64631961</link><description><![CDATA[ Download our FREE helpful resource, “Your Retirement Income Planning Checklist”Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.<br /><br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/64631961</guid><pubDate>Mon, 03 Mar 2025 11:00:09 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/64631961/refining_retirement_full_3_1_25.mp3" length="75691677" type="audio/mpeg"/><itunes:author>Chaesare Gray</itunes:author><itunes:subtitle> Download our FREE helpful resource, “Your Retirement Income Planning Checklist”Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment...</itunes:subtitle><itunes:summary><![CDATA[ Download our FREE helpful resource, “Your Retirement Income Planning Checklist”Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.<br /><br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></itunes:summary><itunes:duration>3150</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/528f4d7461d7bf4c843761c3748d28d7.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Guest: Amanda Bradshaw Burks on Agriculture - February 22, 2025</title><link>https://www.spreaker.com/episode/guest-amanda-bradshaw-burks-on-agriculture-february-22-2025--64543471</link><description><![CDATA[ Download our FREE helpful resource, “Your Retirement Income Planning Checklist”Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.<br /><br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/64543471</guid><pubDate>Mon, 24 Feb 2025 14:35:30 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/64543471/refining_retirement_full_2_22_25.mp3" length="77132664" type="audio/mpeg"/><itunes:author>Chaesare Gray</itunes:author><itunes:subtitle> Download our FREE helpful resource, “Your Retirement Income Planning Checklist”Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment...</itunes:subtitle><itunes:summary><![CDATA[ Download our FREE helpful resource, “Your Retirement Income Planning Checklist”Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.<br /><br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></itunes:summary><itunes:duration>3211</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/528f4d7461d7bf4c843761c3748d28d7.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Risk in Retirement February - 15, 2025</title><link>https://www.spreaker.com/episode/risk-in-retirement-february-15-2025--64385013</link><description><![CDATA[ Download our FREE helpful resource, “Your Retirement Income Planning Checklist”Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.<br /><br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/64385013</guid><pubDate>Mon, 17 Feb 2025 11:00:07 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/64385013/refining_retirement_full_2_15_25.mp3" length="77131692" type="audio/mpeg"/><itunes:author>Chaesare Gray</itunes:author><itunes:subtitle> Download our FREE helpful resource, “Your Retirement Income Planning Checklist”Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment...</itunes:subtitle><itunes:summary><![CDATA[ Download our FREE helpful resource, “Your Retirement Income Planning Checklist”Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.<br /><br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></itunes:summary><itunes:duration>3211</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/528f4d7461d7bf4c843761c3748d28d7.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Guest Linda Sanders &amp; Think Fast! - February, 8 2025</title><link>https://www.spreaker.com/episode/guest-linda-sanders-think-fast-february-8-2025--64384979</link><description><![CDATA[ Download our FREE helpful resource, “Your Retirement Income Planning Checklist”Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.<br /><br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/64384979</guid><pubDate>Fri, 14 Feb 2025 22:55:22 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/64384979/refining_retirement_full_2_8_25.mp3" length="77126191" type="audio/mpeg"/><itunes:author>Chaesare Gray</itunes:author><itunes:subtitle> Download our FREE helpful resource, “Your Retirement Income Planning Checklist”Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment...</itunes:subtitle><itunes:summary><![CDATA[ Download our FREE helpful resource, “Your Retirement Income Planning Checklist”Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.<br /><br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></itunes:summary><itunes:duration>3210</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/528f4d7461d7bf4c843761c3748d28d7.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Women in Retirement - February 1, 2025</title><link>https://www.spreaker.com/episode/women-in-retirement-february-1-2025--64170077</link><description><![CDATA[ Download our FREE helpful resource, “Your Retirement Income Planning Checklist”Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.<br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/64170077</guid><pubDate>Mon, 03 Feb 2025 15:53:45 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/64170077/women_in_retirement_february_1_2025.mp3" length="77841810" type="audio/mpeg"/><itunes:author>Chaesare Gray</itunes:author><itunes:subtitle> Download our FREE helpful resource, “Your Retirement Income Planning Checklist”Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment...</itunes:subtitle><itunes:summary><![CDATA[ Download our FREE helpful resource, “Your Retirement Income Planning Checklist”Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.<br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></itunes:summary><itunes:duration>3240</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/528f4d7461d7bf4c843761c3748d28d7.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Financial Habits to Break - January 11, 2025</title><link>https://www.spreaker.com/episode/financial-habits-to-break-january-11-2025--63639477</link><description><![CDATA[ Download our FREE helpful resource, “Your Retirement Income Planning Checklist”Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.<br /><br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/63639477</guid><pubDate>Mon, 13 Jan 2025 11:20:06 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/63639477/refining_retirement_full_1_11_25.mp3" length="77116257" type="audio/mpeg"/><itunes:author>Chaesare Gray</itunes:author><itunes:subtitle> Download our FREE helpful resource, “Your Retirement Income Planning Checklist”Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment...</itunes:subtitle><itunes:summary><![CDATA[ Download our FREE helpful resource, “Your Retirement Income Planning Checklist”Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.<br /><br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></itunes:summary><itunes:duration>3210</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/528f4d7461d7bf4c843761c3748d28d7.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Refining Retirement - June 8, 2024</title><link>https://www.spreaker.com/episode/refining-retirement-june-8-2024--63422319</link><description><![CDATA[Dana and Brad discuss the most searched investing and retirement terms on Google for last year as well as some of the investment vehicles that may be beneficial to you.<br />Takeaways:<br />- Statistically, women will outlive their spouses and will need to incorporate that into their retirement plan.<br />When interest rates decline, stocks that pay dividends often become more attractive because of better yields.<br />- Download our FREE helpful resource, “Your Retirement Income Planning Checklist”Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.<br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/63422319</guid><pubDate>Sat, 04 Jan 2025 14:33:00 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/63422319/refining_retirement_full_6_8_24.mp3" length="76393486" type="audio/mpeg"/><itunes:author>Chaesare Gray</itunes:author><itunes:subtitle>Dana and Brad discuss the most searched investing and retirement terms on Google for last year as well as some of the investment vehicles that may be beneficial to you.
Takeaways:
- Statistically, women will outlive their spouses and will need to...</itunes:subtitle><itunes:summary><![CDATA[Dana and Brad discuss the most searched investing and retirement terms on Google for last year as well as some of the investment vehicles that may be beneficial to you.<br />Takeaways:<br />- Statistically, women will outlive their spouses and will need to incorporate that into their retirement plan.<br />When interest rates decline, stocks that pay dividends often become more attractive because of better yields.<br />- Download our FREE helpful resource, “Your Retirement Income Planning Checklist”Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.<br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></itunes:summary><itunes:duration>3181</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/528f4d7461d7bf4c843761c3748d28d7.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Refining Retirement June 22, 2024</title><link>https://www.spreaker.com/episode/refining-retirement-june-22-2024--63422554</link><description><![CDATA[Dana and Brad discuss the most searched investing and retirement terms on Google for last year as well as some of the investment vehicles that may be beneficial to you.<br />Takeaways:<br />- Statistically, women will outlive their spouses and will need to incorporate that into their retirement plan.<br />When interest rates decline, stocks that pay dividends often become more attractive because of better yields.<br />- Download our FREE helpful resource, “Your Retirement Income Planning Checklist”Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.<br /><br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/63422554</guid><pubDate>Tue, 31 Dec 2024 14:33:44 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/63422554/refining_retirement_full_6_22_24.mp3" length="77826402" type="audio/mpeg"/><itunes:author>Chaesare Gray</itunes:author><itunes:subtitle>Dana and Brad discuss the most searched investing and retirement terms on Google for last year as well as some of the investment vehicles that may be beneficial to you.
Takeaways:
- Statistically, women will outlive their spouses and will need to...</itunes:subtitle><itunes:summary><![CDATA[Dana and Brad discuss the most searched investing and retirement terms on Google for last year as well as some of the investment vehicles that may be beneficial to you.<br />Takeaways:<br />- Statistically, women will outlive their spouses and will need to incorporate that into their retirement plan.<br />When interest rates decline, stocks that pay dividends often become more attractive because of better yields.<br />- Download our FREE helpful resource, “Your Retirement Income Planning Checklist”Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.<br /><br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></itunes:summary><itunes:duration>3240</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/528f4d7461d7bf4c843761c3748d28d7.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Refining Retirement July 6, 2024</title><link>https://www.spreaker.com/episode/refining-retirement-july-6-2024--63422573</link><description><![CDATA[Dana and Brad discuss the most searched investing and retirement terms on Google for last year as well as some of the investment vehicles that may be beneficial to you.<br />Takeaways:<br />- Statistically, women will outlive their spouses and will need to incorporate that into their retirement plan.<br />When interest rates decline, stocks that pay dividends often become more attractive because of better yields.<br />- Download our FREE helpful resource, “Your Retirement Income Planning Checklist”Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.<br /><br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/63422573</guid><pubDate>Tue, 31 Dec 2024 14:33:40 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/63422573/refining_retirement_full_7_6_24.mp3" length="76391811" type="audio/mpeg"/><itunes:author>Chaesare Gray</itunes:author><itunes:subtitle>Dana and Brad discuss the most searched investing and retirement terms on Google for last year as well as some of the investment vehicles that may be beneficial to you.
Takeaways:
- Statistically, women will outlive their spouses and will need to...</itunes:subtitle><itunes:summary><![CDATA[Dana and Brad discuss the most searched investing and retirement terms on Google for last year as well as some of the investment vehicles that may be beneficial to you.<br />Takeaways:<br />- Statistically, women will outlive their spouses and will need to incorporate that into their retirement plan.<br />When interest rates decline, stocks that pay dividends often become more attractive because of better yields.<br />- Download our FREE helpful resource, “Your Retirement Income Planning Checklist”Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.<br /><br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></itunes:summary><itunes:duration>3180</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/528f4d7461d7bf4c843761c3748d28d7.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Refining Retirement July 27, 2024</title><link>https://www.spreaker.com/episode/refining-retirement-july-27-2024--63477665</link><description><![CDATA[Dana and Brad discuss the most searched investing and retirement terms on Google for last year as well as some of the investment vehicles that may be beneficial to you.<br />Takeaways:<br />- Statistically, women will outlive their spouses and will need to incorporate that into their retirement plan.<br />When interest rates decline, stocks that pay dividends often become more attractive because of better yields.<br />- Download our FREE helpful resource, “Your Retirement Income Planning Checklist”Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.<br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/63477665</guid><pubDate>Tue, 31 Dec 2024 14:33:35 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/63477665/refining_retirement_full_7_27_24.mp3" length="75673693" type="audio/mpeg"/><itunes:author>Chaesare Gray</itunes:author><itunes:subtitle>Dana and Brad discuss the most searched investing and retirement terms on Google for last year as well as some of the investment vehicles that may be beneficial to you.
Takeaways:
- Statistically, women will outlive their spouses and will need to...</itunes:subtitle><itunes:summary><![CDATA[Dana and Brad discuss the most searched investing and retirement terms on Google for last year as well as some of the investment vehicles that may be beneficial to you.<br />Takeaways:<br />- Statistically, women will outlive their spouses and will need to incorporate that into their retirement plan.<br />When interest rates decline, stocks that pay dividends often become more attractive because of better yields.<br />- Download our FREE helpful resource, “Your Retirement Income Planning Checklist”Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.<br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></itunes:summary><itunes:duration>3150</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/528f4d7461d7bf4c843761c3748d28d7.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Refining Retirement August 10, 2024</title><link>https://www.spreaker.com/episode/refining-retirement-august-10-2024--63477680</link><description><![CDATA[Dana and Brad discuss the most searched investing and retirement terms on Google for last year as well as some of the investment vehicles that may be beneficial to you.<br />Takeaways:<br />- Statistically, women will outlive their spouses and will need to incorporate that into their retirement plan.<br />When interest rates decline, stocks that pay dividends often become more attractive because of better yields.<br />- Download our FREE helpful resource, “Your Retirement Income Planning Checklist”Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.<br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/63477680</guid><pubDate>Tue, 31 Dec 2024 14:33:29 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/63477680/refining_retirement_full_8_10_24.mp3" length="76393896" type="audio/mpeg"/><itunes:author>Chaesare Gray</itunes:author><itunes:subtitle>Dana and Brad discuss the most searched investing and retirement terms on Google for last year as well as some of the investment vehicles that may be beneficial to you.
Takeaways:
- Statistically, women will outlive their spouses and will need to...</itunes:subtitle><itunes:summary><![CDATA[Dana and Brad discuss the most searched investing and retirement terms on Google for last year as well as some of the investment vehicles that may be beneficial to you.<br />Takeaways:<br />- Statistically, women will outlive their spouses and will need to incorporate that into their retirement plan.<br />When interest rates decline, stocks that pay dividends often become more attractive because of better yields.<br />- Download our FREE helpful resource, “Your Retirement Income Planning Checklist”Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.<br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></itunes:summary><itunes:duration>3180</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/528f4d7461d7bf4c843761c3748d28d7.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Refining Retirement August 17, 2024</title><link>https://www.spreaker.com/episode/refining-retirement-august-17-2024--63477691</link><description><![CDATA[Dana and Brad discuss the most searched investing and retirement terms on Google for last year as well as some of the investment vehicles that may be beneficial to you.<br />Takeaways:<br />- Statistically, women will outlive their spouses and will need to incorporate that into their retirement plan.<br />When interest rates decline, stocks that pay dividends often become more attractive because of better yields.<br />- Download our FREE helpful resource, “Your Retirement Income Planning Checklist”Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.<br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/63477691</guid><pubDate>Tue, 31 Dec 2024 14:33:23 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/63477691/refining_retirement_full_8_17_24.mp3" length="76396889" type="audio/mpeg"/><itunes:author>Chaesare Gray</itunes:author><itunes:subtitle>Dana and Brad discuss the most searched investing and retirement terms on Google for last year as well as some of the investment vehicles that may be beneficial to you.
Takeaways:
- Statistically, women will outlive their spouses and will need to...</itunes:subtitle><itunes:summary><![CDATA[Dana and Brad discuss the most searched investing and retirement terms on Google for last year as well as some of the investment vehicles that may be beneficial to you.<br />Takeaways:<br />- Statistically, women will outlive their spouses and will need to incorporate that into their retirement plan.<br />When interest rates decline, stocks that pay dividends often become more attractive because of better yields.<br />- Download our FREE helpful resource, “Your Retirement Income Planning Checklist”Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.<br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></itunes:summary><itunes:duration>3181</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/528f4d7461d7bf4c843761c3748d28d7.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Refining Retirement August 31, 2024</title><link>https://www.spreaker.com/episode/refining-retirement-august-31-2024--63477702</link><description><![CDATA[Dana and Brad discuss the most searched investing and retirement terms on Google for last year as well as some of the investment vehicles that may be beneficial to you.<br />Takeaways:<br />- Statistically, women will outlive their spouses and will need to incorporate that into their retirement plan.<br />When interest rates decline, stocks that pay dividends often become more attractive because of better yields.<br />- Download our FREE helpful resource, “Your Retirement Income Planning Checklist”Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.<br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/63477702</guid><pubDate>Tue, 31 Dec 2024 14:33:18 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/63477702/refining_retirement_full_8_31_24.mp3" length="76499911" type="audio/mpeg"/><itunes:author>Chaesare Gray</itunes:author><itunes:subtitle>Dana and Brad discuss the most searched investing and retirement terms on Google for last year as well as some of the investment vehicles that may be beneficial to you.
Takeaways:
- Statistically, women will outlive their spouses and will need to...</itunes:subtitle><itunes:summary><![CDATA[Dana and Brad discuss the most searched investing and retirement terms on Google for last year as well as some of the investment vehicles that may be beneficial to you.<br />Takeaways:<br />- Statistically, women will outlive their spouses and will need to incorporate that into their retirement plan.<br />When interest rates decline, stocks that pay dividends often become more attractive because of better yields.<br />- Download our FREE helpful resource, “Your Retirement Income Planning Checklist”Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.<br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></itunes:summary><itunes:duration>3185</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/528f4d7461d7bf4c843761c3748d28d7.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Refining Retirement September 7, 2024</title><link>https://www.spreaker.com/episode/refining-retirement-september-7-2024--63477708</link><description><![CDATA[Dana and Brad discuss the most searched investing and retirement terms on Google for last year as well as some of the investment vehicles that may be beneficial to you.<br />Takeaways:<br />- Statistically, women will outlive their spouses and will need to incorporate that into their retirement plan.<br />When interest rates decline, stocks that pay dividends often become more attractive because of better yields.<br />- Download our FREE helpful resource, “Your Retirement Income Planning Checklist”Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.<br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/63477708</guid><pubDate>Tue, 31 Dec 2024 14:33:12 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/63477708/refining_retirement_full_9_7_24.mp3" length="76395840" type="audio/mpeg"/><itunes:author>Chaesare Gray</itunes:author><itunes:subtitle>Dana and Brad discuss the most searched investing and retirement terms on Google for last year as well as some of the investment vehicles that may be beneficial to you.
Takeaways:
- Statistically, women will outlive their spouses and will need to...</itunes:subtitle><itunes:summary><![CDATA[Dana and Brad discuss the most searched investing and retirement terms on Google for last year as well as some of the investment vehicles that may be beneficial to you.<br />Takeaways:<br />- Statistically, women will outlive their spouses and will need to incorporate that into their retirement plan.<br />When interest rates decline, stocks that pay dividends often become more attractive because of better yields.<br />- Download our FREE helpful resource, “Your Retirement Income Planning Checklist”Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.<br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></itunes:summary><itunes:duration>3180</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/528f4d7461d7bf4c843761c3748d28d7.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Refining Retirement September 14, 2024</title><link>https://www.spreaker.com/episode/refining-retirement-september-14-2024--63477712</link><description><![CDATA[Dana and Brad discuss the most searched investing and retirement terms on Google for last year as well as some of the investment vehicles that may be beneficial to you.<br />Takeaways:<br />- Statistically, women will outlive their spouses and will need to incorporate that into their retirement plan.<br />When interest rates decline, stocks that pay dividends often become more attractive because of better yields.<br />- Download our FREE helpful resource, “Your Retirement Income Planning Checklist”Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.<br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/63477712</guid><pubDate>Tue, 31 Dec 2024 14:33:07 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/63477712/refining_retirement_full_9_14_24_new_show.mp3" length="77110895" type="audio/mpeg"/><itunes:author>Chaesare Gray</itunes:author><itunes:subtitle>Dana and Brad discuss the most searched investing and retirement terms on Google for last year as well as some of the investment vehicles that may be beneficial to you.
Takeaways:
- Statistically, women will outlive their spouses and will need to...</itunes:subtitle><itunes:summary><![CDATA[Dana and Brad discuss the most searched investing and retirement terms on Google for last year as well as some of the investment vehicles that may be beneficial to you.<br />Takeaways:<br />- Statistically, women will outlive their spouses and will need to incorporate that into their retirement plan.<br />When interest rates decline, stocks that pay dividends often become more attractive because of better yields.<br />- Download our FREE helpful resource, “Your Retirement Income Planning Checklist”Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.<br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></itunes:summary><itunes:duration>3210</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/528f4d7461d7bf4c843761c3748d28d7.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Refining Retirement October 5, 2024</title><link>https://www.spreaker.com/episode/refining-retirement-october-5-2024--63477719</link><description><![CDATA[Dana and Brad discuss the most searched investing and retirement terms on Google for last year as well as some of the investment vehicles that may be beneficial to you.<br />Takeaways:<br />- Statistically, women will outlive their spouses and will need to incorporate that into their retirement plan.<br />When interest rates decline, stocks that pay dividends often become more attractive because of better yields.<br />- Download our FREE helpful resource, “Your Retirement Income Planning Checklist”Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.<br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/63477719</guid><pubDate>Tue, 31 Dec 2024 14:33:02 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/63477719/refining_retirement_full_10_5_24.mp3" length="38597279" type="audio/mpeg"/><itunes:author>Chaesare Gray</itunes:author><itunes:subtitle>Dana and Brad discuss the most searched investing and retirement terms on Google for last year as well as some of the investment vehicles that may be beneficial to you.
Takeaways:
- Statistically, women will outlive their spouses and will need to...</itunes:subtitle><itunes:summary><![CDATA[Dana and Brad discuss the most searched investing and retirement terms on Google for last year as well as some of the investment vehicles that may be beneficial to you.<br />Takeaways:<br />- Statistically, women will outlive their spouses and will need to incorporate that into their retirement plan.<br />When interest rates decline, stocks that pay dividends often become more attractive because of better yields.<br />- Download our FREE helpful resource, “Your Retirement Income Planning Checklist”Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.<br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></itunes:summary><itunes:duration>3210</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/528f4d7461d7bf4c843761c3748d28d7.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Refining Retirement October 12, 2024</title><link>https://www.spreaker.com/episode/refining-retirement-october-12-2024--63477733</link><description><![CDATA[Dana and Brad discuss the most searched investing and retirement terms on Google for last year as well as some of the investment vehicles that may be beneficial to you.<br />Takeaways:<br />- Statistically, women will outlive their spouses and will need to incorporate that into their retirement plan.<br />When interest rates decline, stocks that pay dividends often become more attractive because of better yields.<br />- Download our FREE helpful resource, “Your Retirement Income Planning Checklist”Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.<br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/63477733</guid><pubDate>Tue, 31 Dec 2024 14:32:56 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/63477733/refining_retirement_full_10_12_24.mp3" length="51439560" type="audio/mpeg"/><itunes:author>Chaesare Gray</itunes:author><itunes:subtitle>Dana and Brad discuss the most searched investing and retirement terms on Google for last year as well as some of the investment vehicles that may be beneficial to you.
Takeaways:
- Statistically, women will outlive their spouses and will need to...</itunes:subtitle><itunes:summary><![CDATA[Dana and Brad discuss the most searched investing and retirement terms on Google for last year as well as some of the investment vehicles that may be beneficial to you.<br />Takeaways:<br />- Statistically, women will outlive their spouses and will need to incorporate that into their retirement plan.<br />When interest rates decline, stocks that pay dividends often become more attractive because of better yields.<br />- Download our FREE helpful resource, “Your Retirement Income Planning Checklist”Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.<br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></itunes:summary><itunes:duration>3211</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/528f4d7461d7bf4c843761c3748d28d7.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Refining Retirement October 19, 2024</title><link>https://www.spreaker.com/episode/refining-retirement-october-19-2024--63477740</link><description><![CDATA[Dana and Brad discuss the most searched investing and retirement terms on Google for last year as well as some of the investment vehicles that may be beneficial to you.<br />Takeaways:<br />- Statistically, women will outlive their spouses and will need to incorporate that into their retirement plan.<br />When interest rates decline, stocks that pay dividends often become more attractive because of better yields.<br />- Download our FREE helpful resource, “Your Retirement Income Planning Checklist”Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.<br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/63477740</guid><pubDate>Tue, 31 Dec 2024 14:32:50 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/63477740/refining_retirement_full_10_19_24.mp3" length="50476796" type="audio/mpeg"/><itunes:author>Chaesare Gray</itunes:author><itunes:subtitle>Dana and Brad discuss the most searched investing and retirement terms on Google for last year as well as some of the investment vehicles that may be beneficial to you.
Takeaways:
- Statistically, women will outlive their spouses and will need to...</itunes:subtitle><itunes:summary><![CDATA[Dana and Brad discuss the most searched investing and retirement terms on Google for last year as well as some of the investment vehicles that may be beneficial to you.<br />Takeaways:<br />- Statistically, women will outlive their spouses and will need to incorporate that into their retirement plan.<br />When interest rates decline, stocks that pay dividends often become more attractive because of better yields.<br />- Download our FREE helpful resource, “Your Retirement Income Planning Checklist”Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.<br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></itunes:summary><itunes:duration>3150</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/528f4d7461d7bf4c843761c3748d28d7.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Refining Retirement November 2, 2024</title><link>https://www.spreaker.com/episode/refining-retirement-november-2-2024--63477753</link><description><![CDATA[Dana and Brad discuss the most searched investing and retirement terms on Google for last year as well as some of the investment vehicles that may be beneficial to you.<br />Takeaways:<br />- Statistically, women will outlive their spouses and will need to incorporate that into their retirement plan.<br />When interest rates decline, stocks that pay dividends often become more attractive because of better yields.<br />- Download our FREE helpful resource, “Your Retirement Income Planning Checklist”Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.<br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/63477753</guid><pubDate>Tue, 31 Dec 2024 14:32:45 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/63477753/refining_retirement_full_11_2_24.mp3" length="51440551" type="audio/mpeg"/><itunes:author>Chaesare Gray</itunes:author><itunes:subtitle>Dana and Brad discuss the most searched investing and retirement terms on Google for last year as well as some of the investment vehicles that may be beneficial to you.
Takeaways:
- Statistically, women will outlive their spouses and will need to...</itunes:subtitle><itunes:summary><![CDATA[Dana and Brad discuss the most searched investing and retirement terms on Google for last year as well as some of the investment vehicles that may be beneficial to you.<br />Takeaways:<br />- Statistically, women will outlive their spouses and will need to incorporate that into their retirement plan.<br />When interest rates decline, stocks that pay dividends often become more attractive because of better yields.<br />- Download our FREE helpful resource, “Your Retirement Income Planning Checklist”Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.<br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></itunes:summary><itunes:duration>3211</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/528f4d7461d7bf4c843761c3748d28d7.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Refining Retirement November 9, 2024</title><link>https://www.spreaker.com/episode/refining-retirement-november-9-2024--63477758</link><description><![CDATA[Dana and Brad discuss the most searched investing and retirement terms on Google for last year as well as some of the investment vehicles that may be beneficial to you.<br />Takeaways:<br />- Statistically, women will outlive their spouses and will need to incorporate that into their retirement plan.<br />When interest rates decline, stocks that pay dividends often become more attractive because of better yields.<br />- Download our FREE helpful resource, “Your Retirement Income Planning Checklist”Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.<br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/63477758</guid><pubDate>Tue, 31 Dec 2024 14:32:37 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/63477758/refining_retirement_full_11_9_24.mp3" length="50938245" type="audio/mpeg"/><itunes:author>Chaesare Gray</itunes:author><itunes:subtitle>Dana and Brad discuss the most searched investing and retirement terms on Google for last year as well as some of the investment vehicles that may be beneficial to you.
Takeaways:
- Statistically, women will outlive their spouses and will need to...</itunes:subtitle><itunes:summary><![CDATA[Dana and Brad discuss the most searched investing and retirement terms on Google for last year as well as some of the investment vehicles that may be beneficial to you.<br />Takeaways:<br />- Statistically, women will outlive their spouses and will need to incorporate that into their retirement plan.<br />When interest rates decline, stocks that pay dividends often become more attractive because of better yields.<br />- Download our FREE helpful resource, “Your Retirement Income Planning Checklist”Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.<br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></itunes:summary><itunes:duration>3179</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/528f4d7461d7bf4c843761c3748d28d7.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Refining Retirement November 16, 2024</title><link>https://www.spreaker.com/episode/refining-retirement-november-16-2024--63477764</link><description><![CDATA[Dana and Brad discuss the most searched investing and retirement terms on Google for last year as well as some of the investment vehicles that may be beneficial to you.<br />Takeaways:<br />- Statistically, women will outlive their spouses and will need to incorporate that into their retirement plan.<br />When interest rates decline, stocks that pay dividends often become more attractive because of better yields.<br />- Download our FREE helpful resource, “Your Retirement Income Planning Checklist”Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.<br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/63477764</guid><pubDate>Tue, 31 Dec 2024 14:32:32 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/63477764/refining_retirement_full_11_16_24.mp3" length="76400588" type="audio/mpeg"/><itunes:author>Chaesare Gray</itunes:author><itunes:subtitle>Dana and Brad discuss the most searched investing and retirement terms on Google for last year as well as some of the investment vehicles that may be beneficial to you.
Takeaways:
- Statistically, women will outlive their spouses and will need to...</itunes:subtitle><itunes:summary><![CDATA[Dana and Brad discuss the most searched investing and retirement terms on Google for last year as well as some of the investment vehicles that may be beneficial to you.<br />Takeaways:<br />- Statistically, women will outlive their spouses and will need to incorporate that into their retirement plan.<br />When interest rates decline, stocks that pay dividends often become more attractive because of better yields.<br />- Download our FREE helpful resource, “Your Retirement Income Planning Checklist”Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.<br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></itunes:summary><itunes:duration>3180</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/528f4d7461d7bf4c843761c3748d28d7.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Refining Retirement November 23, 2024</title><link>https://www.spreaker.com/episode/refining-retirement-november-23-2024--63477785</link><description><![CDATA[Dana and Brad discuss the most searched investing and retirement terms on Google for last year as well as some of the investment vehicles that may be beneficial to you.<br />Takeaways:<br />- Statistically, women will outlive their spouses and will need to incorporate that into their retirement plan.<br />When interest rates decline, stocks that pay dividends often become more attractive because of better yields.<br />- Download our FREE helpful resource, “Your Retirement Income Planning Checklist”Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.<br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/63477785</guid><pubDate>Tue, 31 Dec 2024 14:32:26 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/63477785/refining_retirement_full_11_23_24_revised.mp3" length="76402644" type="audio/mpeg"/><itunes:author>Chaesare Gray</itunes:author><itunes:subtitle>Dana and Brad discuss the most searched investing and retirement terms on Google for last year as well as some of the investment vehicles that may be beneficial to you.
Takeaways:
- Statistically, women will outlive their spouses and will need to...</itunes:subtitle><itunes:summary><![CDATA[Dana and Brad discuss the most searched investing and retirement terms on Google for last year as well as some of the investment vehicles that may be beneficial to you.<br />Takeaways:<br />- Statistically, women will outlive their spouses and will need to incorporate that into their retirement plan.<br />When interest rates decline, stocks that pay dividends often become more attractive because of better yields.<br />- Download our FREE helpful resource, “Your Retirement Income Planning Checklist”Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.<br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></itunes:summary><itunes:duration>3180</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/528f4d7461d7bf4c843761c3748d28d7.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Refining Retirement December 7, 2024</title><link>https://www.spreaker.com/episode/refining-retirement-december-7-2024--63477855</link><description><![CDATA[Dana and Brad discuss the most searched investing and retirement terms on Google for last year as well as some of the investment vehicles that may be beneficial to you.<br />Takeaways:<br />- Statistically, women will outlive their spouses and will need to incorporate that into their retirement plan.<br />When interest rates decline, stocks that pay dividends often become more attractive because of better yields.<br />- Download our FREE helpful resource, “Your Retirement Income Planning Checklist”Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.<br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/63477855</guid><pubDate>Tue, 31 Dec 2024 14:32:19 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/63477855/refining_retirement_full_12_7_24.mp3" length="75514623" type="audio/mpeg"/><itunes:author>Chaesare Gray</itunes:author><itunes:subtitle>Dana and Brad discuss the most searched investing and retirement terms on Google for last year as well as some of the investment vehicles that may be beneficial to you.
Takeaways:
- Statistically, women will outlive their spouses and will need to...</itunes:subtitle><itunes:summary><![CDATA[Dana and Brad discuss the most searched investing and retirement terms on Google for last year as well as some of the investment vehicles that may be beneficial to you.<br />Takeaways:<br />- Statistically, women will outlive their spouses and will need to incorporate that into their retirement plan.<br />When interest rates decline, stocks that pay dividends often become more attractive because of better yields.<br />- Download our FREE helpful resource, “Your Retirement Income Planning Checklist”Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.<br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></itunes:summary><itunes:duration>3143</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/528f4d7461d7bf4c843761c3748d28d7.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Refining Retirement December 14, 2024</title><link>https://www.spreaker.com/episode/refining-retirement-december-14-2024--63477872</link><description><![CDATA[Dana and Brad discuss the most searched investing and retirement terms on Google for last year as well as some of the investment vehicles that may be beneficial to you.<br />Takeaways:<br />- Statistically, women will outlive their spouses and will need to incorporate that into their retirement plan.<br />When interest rates decline, stocks that pay dividends often become more attractive because of better yields.<br />- Download our FREE helpful resource, “Your Retirement Income Planning Checklist”Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.<br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/63477872</guid><pubDate>Tue, 31 Dec 2024 14:31:44 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/63477872/refining_retirement_full_12_14_24.mp3" length="76954561" type="audio/mpeg"/><itunes:author>Chaesare Gray</itunes:author><itunes:subtitle>Dana and Brad discuss the most searched investing and retirement terms on Google for last year as well as some of the investment vehicles that may be beneficial to you.
Takeaways:
- Statistically, women will outlive their spouses and will need to...</itunes:subtitle><itunes:summary><![CDATA[Dana and Brad discuss the most searched investing and retirement terms on Google for last year as well as some of the investment vehicles that may be beneficial to you.<br />Takeaways:<br />- Statistically, women will outlive their spouses and will need to incorporate that into their retirement plan.<br />When interest rates decline, stocks that pay dividends often become more attractive because of better yields.<br />- Download our FREE helpful resource, “Your Retirement Income Planning Checklist”Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.<br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></itunes:summary><itunes:duration>3203</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/528f4d7461d7bf4c843761c3748d28d7.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Refining Retirement December 28, 2024</title><link>https://www.spreaker.com/episode/refining-retirement-december-28-2024--63477876</link><description><![CDATA[Dana and Brad discuss the most searched investing and retirement terms on Google for last year as well as some of the investment vehicles that may be beneficial to you.<br />Takeaways:<br />- Statistically, women will outlive their spouses and will need to incorporate that into their retirement plan.<br />When interest rates decline, stocks that pay dividends often become more attractive because of better yields.<br />- Download our FREE helpful resource, “Your Retirement Income Planning Checklist”Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.<br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/63477876</guid><pubDate>Sat, 28 Dec 2024 14:31:00 +0000</pubDate><enclosure url="https://api.spreaker.com/download/episode/63477876/refining_retirement_full_12_28_24.mp3" length="75685845" type="audio/mpeg"/><itunes:author>Chaesare Gray</itunes:author><itunes:subtitle>Dana and Brad discuss the most searched investing and retirement terms on Google for last year as well as some of the investment vehicles that may be beneficial to you.
Takeaways:
- Statistically, women will outlive their spouses and will need to...</itunes:subtitle><itunes:summary><![CDATA[Dana and Brad discuss the most searched investing and retirement terms on Google for last year as well as some of the investment vehicles that may be beneficial to you.<br />Takeaways:<br />- Statistically, women will outlive their spouses and will need to incorporate that into their retirement plan.<br />When interest rates decline, stocks that pay dividends often become more attractive because of better yields.<br />- Download our FREE helpful resource, “Your Retirement Income Planning Checklist”Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.<br /><br />To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/<br /><br />Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.]]></itunes:summary><itunes:duration>3150</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/528f4d7461d7bf4c843761c3748d28d7.jpg"/><itunes:episodeType>full</itunes:episodeType></item></channel></rss>
