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ersation-about-working-with-an-estate-planning-attorney-with-jacob-samad</loc><lastmod>2026-04-13</lastmod><changefreq>yearly</changefreq><priority>0.5</priority></url><url><loc>https://www.fosterandmotley.com/podcast/2022/02/09/a-chat-about-our-2022-podcast-season-with-joe-patterson-cfp</loc><lastmod>2026-04-13</lastmod><changefreq>yearly</changefreq><priority>0.5</priority></url><url><loc>https://www.fosterandmotley.com/podcast/2022/02/22/a-conversation-about-2021-and-whats-ahead-with-zach-horn-mba-cfp-cmfc-and-nick-roth-cfp</loc><lastmod>2026-04-13</lastmod><changefreq>yearly</changefreq><priority>0.5</priority></url><url><loc>https://www.fosterandmotley.com/podcast/2022/02/23/a-chat-about-investment-sectors-with-thom-guidi-cfa</loc><lastmod>2026-04-13</lastmod><changefreq>yearly</changefreq><priority>0.5</priority></url><url><loc>https://www.fosterandmotley.com/podcast/2022/03/02/a-chat-about-required-minimum-distributions-with-nick-roth-cfp</loc><lastmod>2026-04-13</lastmod><changefreq>yearly</changefreq><priority>0.5</priority></url><url><loc>https://www.fosterandmotley.com/podcast/2022/03/09/a-conversation-about-estate-tax-with-tony-luckhardt-mba-cfp-crpc-and-emily-diaz-cpa-cfp</loc><lastmod>2026-04-13</lastmod><changefreq>yearly</changefreq><priority>0.5</priority></url><url><loc>https://www.fosterandmotley.com/podcast/2022/03/23/a-chat-about-risk-tolerance-with-ryan-english-cfa-cpa-cfp</loc><lastmod>2026-04-13</lastmod><changefreq>yearly</changefreq><priority>0.5</priority></url><url><loc>https://www.fosterandmotley.com/podcast/2022/03/30/a-conversation-about-charitable-and-family-gifting-with-david-nienaber-mba-cpa-cfp-cepa-and-joe-patterson-cfp</loc><lastmod>2026-04-13</lastmod><changefreq>yearly</changefreq><priority>0.5</priority></url><url><loc>https://www.fosterandmotley.com/podcast/2022/04/08/a-market-update-for-the-first-quarter-of-2022-with-mark-motley-cfa</loc><lastmod>2026-04-13</lastmod><changefreq>yearly</changefreq><priority>0.5</priority></url><url><loc>https://www.fosterandmotley.com/podcast/2022/04/13/a-chat-about-social-security-with-luke-hail-mba-cfp</loc><lastmod>2026-04-13</lastmod><changefreq>yearly</changefreq><priority>0.5</priority></url><url><loc>https://www.fosterandmotley.com/podcast/2022/04/20/a-chat-about-a-retirement-hobby-of-beekeeping-with-dave-foster-and-rachel-rasmussen-cfa-cdfa</loc><lastmod>2026-04-13</lastmod><changefreq>yearly</changefreq><priority>0.5</priority></url><url><loc>https://www.fosterandmotley.com/podcast/2022/05/04/a-chat-about-health-savings-accounts-with-zach-binzer-cfp</loc><lastmod>2026-04-13</lastmod><changefreq>yearly</changefreq><priority>0.5</priority></url><url><loc>https://www.fosterandmotley.com/podcast/2022/05/11/a-conversation-about-rebalancing-your-portfolio-with-ryan-english-cfa-cpa-cfp-and-nicholas-roth-cfp</loc><lastmod>2026-04-13</lastmod><changefreq>yearly</changefreq><priority>0.5</priority></url><url><loc>https://www.fosterandmotley.com/podcast/2022/05/18/a-chat-about-alternative-bonds-with-zach-horn-mba-cfp-cmfc</loc><lastmod>2026-04-13</lastmod><changefreq>yearly</changefreq><priority>0.5</priority></url><url><loc>https://www.fosterandmotley.com/podcast/2022/06/01/a-chat-about-private-investments-with-rachel-rasmussen-cfa-cdfa</loc><lastmod>2026-04-13</lastmod><changefreq>yearly</changefreq><priority>0.5</priority></url><url><loc>https://www.fosterandmotley.com/podcast/2022/06/08/a-conversation-about-value-investing-with-thom-guidi-cfa-and-mark-motley-cfa</loc><lastmod>2026-04-13</lastmod><changefreq>yearly</changefreq><priority>0.5</priority></url><url><loc>https://www.fosterandmotley.com/podcast/2022/06/15/a-chat-about-cybersecurity-in-the-financial-world-with-emily-diaz-macc-cpa-cfp</loc><lastmod>2026-04-13</lastmod><changefreq>yearly</changefreq><priority>0.5</priority></url><url><loc>https://www.fosterandmotley.com/podcast/2022/06/29/a-chat-about-balance-sheets-with-joe-patterson-cfp</loc><lastmod>2026-04-13</lastmod><changefreq>yearly</changefreq><priority>0.5</priority></url><url><loc>https://www.fosterandmotley.com/podcast/2022/07/08/a-market-update-for-the-second-quarter-of-2022-with-mark-motley-cfa</loc><lastmod>2026-04-13</lastmod><changefreq>yearly</changefreq><priority>0.5</priority></url><url><loc>https://www.fosterandmotley.com/podcast/2022/07/20/a-chat-about-planning-for-the-unexpected-with-tony-luckhardt-mba-cfp-crpc</loc><lastmod>2026-04-13</lastmod><changefreq>yearly</changefreq><priority>0.5</priority></url><url><loc>https://www.fosterandmotley.com/podcast/2022/07/27/a-chat-about-the-yield-curve-with-ryan-english-cfa-cpa-cfp-and-sarah-conwell-mfe</loc><lastmod>2026-04-13</lastmod><changefreq>yearly</changefreq><priority>0.5</priority></url><url><loc>https://www.fosterandmotley.com/podcast/2022/08/03/a-chat-about-cash-flow-with-luke-hail-mba-cfp</loc><lastmod>2026-04-13</lastmod><changefreq>yearly</changefreq><priority>0.5</priority></url><url><loc>https://www.fosterandmotley.com/podcast/2022/08/17/a-chat-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aturity-date</loc><lastmod>2023-01-24</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url><url><loc>https://www.fosterandmotley.com/glossary/view/market-risk</loc><lastmod>2023-01-24</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url><url><loc>https://www.fosterandmotley.com/glossary/view/market-capitalization-cap</loc><lastmod>2023-01-24</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url><url><loc>https://www.fosterandmotley.com/glossary/view/marital-deduction</loc><lastmod>2022-12-16</lastmod><changefreq>daily</changefreq><priority>0.5</priority></url><url><loc>https://www.fosterandmotley.com/glossary/view/marginal-tax-rate</loc><lastmod>2023-01-24</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url><url><loc>https://www.fosterandmotley.com/glossary/view/management-fee</loc><lastmod>2023-01-24</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url><url><loc>https://www.fosterandmotley.com/glossary/view/longevity-risk</loc><lastmod>2023-01-24</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url><url><loc>https://www.fosterandmotley.com/glossary/view/living-will</loc><lastmod>2023-01-24</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url><url><loc>https://www.fosterandmotley.com/glossary/view/living-trust</loc><lastmod>2022-12-16</lastmod><changefreq>daily</changefreq><priority>0.5</priority></url><url><loc>https://www.fosterandmotley.com/glossary/view/liquidity</loc><lastmod>2022-12-16</lastmod><changefreq>daily</changefreq><priority>0.5</priority></url><url><loc>https://www.fosterandmotley.com/glossary/view/life-beneficiary</loc><lastmod>2022-12-16</lastmod><changefreq>daily</changefreq><priority>0.5</priority></url><url><loc>https://www.fosterandmotley.com/glossary/view/liability</loc><lastmod>2022-12-16</lastmod><changefreq>daily</changefreq><priority>0.5</priority></url><url><loc>https://www.fosterandmotley.com/glossary/view/large-cap-stocks</loc><lastmod>2023-01-24</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url><url><loc>https://www.fosterandmotley.com/glossary/view/large-cap-fund</loc><lastmod>2023-01-24</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url><url><loc>https://www.fosterandmotley.com/glossary/view/joint-tenancy-with-right-of-survivorship</loc><lastmod>2023-01-24</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url><url><loc>https://www.fosterandmotley.com/glossary/view/joint-ownership</loc><lastmod>2022-12-16</lastmod><changefreq>daily</changefreq><priority>0.5</priority></url><url><loc>https://www.fosterandmotley.com/glossary/view/itemized-deductions</loc><lastmod>2023-01-24</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url><url><loc>https://www.fosterandmotley.com/glossary/view/issue</loc><lastmod>2022-12-16</lastmod><changefreq>daily</changefreq><priority>0.5</priority></url><url><loc>https://www.fosterandmotley.com/glossary/view/irrevocable-trust</loc><lastmod>2022-12-16</lastmod><changefreq>daily</changefreq><priority>0.5</priority></url><url><loc>https://www.fosterandmotley.com/glossary/view/ira-traditional</loc><lastmod>2022-12-16</lastmod><changefreq>daily</changefreq><priority>0.5</priority></url><url><loc>https://www.fosterandmotley.com/glossary/view/ira-roth</loc><lastmod>2022-12-16</lastmod><changefreq>daily</changefreq><priority>0.5</priority></url><url><loc>https://www.fosterandmotley.com/glossary/view/investment-risk</loc><lastmod>2023-01-24</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url><url><loc>https://www.fosterandmotley.com/glossary/view/investment-return</loc><lastmod>2023-01-24</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url><url><loc>https://www.fosterandmotley.com/glossary/view/investment-policy-statement-ips</loc><lastmod>2022-12-16</lastmod><changefreq>daily</changefreq><priority>0.5</priority></url><url><loc>https://www.fosterandmotley.com/glossary/view/investment-objective</loc><lastmod>2023-01-24</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url><url><loc>https://www.fosterandmotley.com/glossary/view/investment-company</loc><lastmod>2023-01-24</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url><url><loc>https://www.fosterandmotley.com/glossary/view/investment-advisor</loc><lastmod>2023-12-14</lastmod><changefreq>yearly</changefreq><priority>0.5</priority></url><url><loc>https://www.fosterandmotley.com/glossary/view/intestate</loc><lastmod>2022-12-16</lastmod><changefreq>daily</changefreq><priority>0.5</priority></url><url><loc>https://www.fosterandmotley.com/glossary/view/intestacy</loc><lastmod>2022-12-16</lastmod><changefreq>daily</changefreq><priority>0.5</priority></url><url><loc>https://www.fosterandmotley.com/glossary/view/international-fund</loc><lastmod>2023-01-24</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url><url><loc>https://www.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