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    <loc>https://www.ed-advisors.org/news/getting-a-clear-picture-of-retirement</loc>
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    <lastmod>2020-10-08</lastmod>
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      <image:title>News Articles - Getting a Clear Picture of Retirement</image:title>
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    <loc>https://www.ed-advisors.org/contact</loc>
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    <lastmod>2026-03-25</lastmod>
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    <lastmod>2025-12-02</lastmod>
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      <image:title>Home - What We Do</image:title>
      <image:caption>Host seminars, luncheons and other virtual or in-person events to help individuals &amp; our community plan for retirement. Whether you have questions about savings or certain goals you want to set, we’ve got the information and resources you need to retire the way you want.</image:caption>
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      <image:title>Home - How We Help</image:title>
      <image:caption>We’ll set you up with free tools on retirement planning, including videos, tutorials, calculators, podcasts, and more. Everything is created specifically for you, your job and your goals. We’ll connect you with professionals and resources to help you get where you want to be – faster and easier.</image:caption>
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    <loc>https://www.ed-advisors.org/sidebar</loc>
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    <lastmod>2021-04-27</lastmod>
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    <loc>https://www.ed-advisors.org/about</loc>
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    <priority>0.75</priority>
    <lastmod>2022-12-16</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5ef8e4c769114e72a0b495bd/1598368254305-M8FKERFFRDQ7PUW65U79/iStock-496851962.jpg</image:loc>
      <image:title>Educational Institutions - Seminars and Events</image:title>
      <image:caption>Provide educational seminars, luncheons and similar events delivering information regarding retirement planning, savings, goal setting and other critical information to enable, participants to make better financial decisions to ensure a financially secure retirement.</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ef8e4c769114e72a0b495bd/1598369929799-VZ93LPKPRHKXUFRM0TLK/iStock-884677986.jpg</image:loc>
      <image:title>Educational Institutions - Access Planners</image:title>
      <image:caption>Connect educators with qualified, experienced financial retirement planners to ensure that they are well informed regarding their financial needs for retirement and receive professional guidance.</image:caption>
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    <image:image>
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      <image:title>Educational Institutions</image:title>
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    <loc>https://www.ed-advisors.org/resources</loc>
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    <priority>0.75</priority>
    <lastmod>2023-01-18</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5ef8e4c769114e72a0b495bd/9c849d08-51d8-49e9-908e-9e5bff531c5e/Top+5+risks.jpg</image:loc>
      <image:title>Resources</image:title>
      <image:caption>Click Image to Download</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ef8e4c769114e72a0b495bd/41be489f-ffbd-47f1-9149-e5ce1a907960/2023+Retirement+planning+and+tax+summary.jpg</image:loc>
      <image:title>Resources</image:title>
      <image:caption>Click Image to Download</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ef8e4c769114e72a0b495bd/cb5f79b7-e4d2-4d99-9a27-43fc71e1a683/2023+Retirement+planning+and+tax+summary.jpg</image:loc>
      <image:title>Resources</image:title>
      <image:caption>Click Image to Download</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ef8e4c769114e72a0b495bd/1599677739264-ROMZNWHWZAYB4DTL1P1F/TRANSAMERICA%2BInsurance%2BPlan%2BExplorer.jpg</image:loc>
      <image:title>Resources</image:title>
      <image:caption>Insurance Plan Explorer</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ef8e4c769114e72a0b495bd/1599679227354-92BC3YFP3URKM1K9029L/Untitled-1.png</image:loc>
      <image:title>Resources - Tax Facts at a Glance</image:title>
      <image:caption>Tax Facts at a Glance</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ef8e4c769114e72a0b495bd/1599679357347-6ZJMWGJ9EUUIZ7JIV6T1/Untitled-2.png</image:loc>
      <image:title>Resources - Asset Class Dashboard</image:title>
      <image:caption>Asset Class Dashboard</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ef8e4c769114e72a0b495bd/1599679454729-I7N2JDSJHE0FA4J9CV11/Untitled-1.png</image:loc>
      <image:title>Resources - Fixed Index Annuities</image:title>
      <image:caption>Fixed Indexed Annuities</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ef8e4c769114e72a0b495bd/1599679592725-QO255LWPKRHNHID9J690/Untitled-1.png</image:loc>
      <image:title>Resources - Sequence of Returns Risk</image:title>
      <image:caption>Sequence of Return Risks</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ef8e4c769114e72a0b495bd/1599679670473-XGRS95CFVCN6DKT3Q4FI/2020-09-08+16_07_28-Microsoft+Edge.png</image:loc>
      <image:title>Resources - Value of Advisor</image:title>
      <image:caption>Value of Advisor</image:caption>
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    <image:image>
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      <image:title>Resources - Total Life Insurance Needs Worksheet</image:title>
      <image:caption>Total Life Insurance Worksheet</image:caption>
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    <image:image>
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      <image:title>Resources</image:title>
      <image:caption>Congratulations, You Have Been Promoted to CEO!: The Habits of Highly Effective CEOs that are Necessary for Retiring Healthy, Wealthy, and Fulfilled!</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ef8e4c769114e72a0b495bd/1600268123892-ZB16V4QLUXPCN8WYIJRX/Paychecks%2B%2526%2BPlaychecks.jpg</image:loc>
      <image:title>Resources</image:title>
      <image:caption>Pay Checks and Play Checks: Retirement Solutions for Life</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ef8e4c769114e72a0b495bd/1600268221475-CCNCJZY77QZ7PUNDNV6R/Retire%2BHappy.jpg</image:loc>
      <image:title>Resources</image:title>
      <image:caption>Don’t Worry, Retire Happy! Seven Steps to Retirement Security</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ef8e4c769114e72a0b495bd/1600268283368-9SOC9WORQCTOPRLVRXNS/Stress%252BFree%252BRetirement.jpg</image:loc>
      <image:title>Resources</image:title>
      <image:caption>Stress-Free Retirement</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ef8e4c769114e72a0b495bd/1600268448064-5706EO5IP0ZUJ8P6O1P5/Guide%2Bto%2BSocial%2BSecurity.jpg</image:loc>
      <image:title>Resources</image:title>
      <image:caption>Tom Hegna’s Guide to Social Security</image:caption>
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  </url>
  <url>
    <loc>https://www.ed-advisors.org/riskalyze</loc>
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    <priority>0.75</priority>
    <lastmod>2023-08-03</lastmod>
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  </url>
  <url>
    <loc>https://www.ed-advisors.org/retirement-planning-software</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-12-02</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ef8e4c769114e72a0b495bd/1626190831800-2FJLT2OF78B5ADEBNXOL/Retire%2BReady%2Bscreen%2Bshot%2B3.jpg</image:loc>
      <image:title>Retirement Planning Software - The TRAK software is the most powerful planning software with every state and federal pension plan built in.  Simple drop-down menus enable your advisor to select your plan and review your options.</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ef8e4c769114e72a0b495bd/1626190993810-MLGX10PBAWMN11VCE179/Retire+Ready+screen+shot+4.jpg</image:loc>
      <image:title>Retirement Planning Software - Every annuity option is built-in with a thorough explanation of each. Your advisor will talk you through your options and help you chose the best option for you based on your overall retirement objectives.</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ef8e4c769114e72a0b495bd/1626192467334-THZDT1GTZWYYC2VL6UT1/Retire%2BReady%2Bscreen%2Bshot%2B5.jpg</image:loc>
      <image:title>Retirement Planning Software - With TRAK, your advisor can easily add in your other retirement accounts, other known income, lump-sum payouts and annuities. They can customize your plan with individual assumptions on investment returns on each source of income.</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ef8e4c769114e72a0b495bd/1626192494874-O52U2PH397UYW2S4Z8A0/Retire%2BReady%2Bscreen%2Bshot%2B6.jpg</image:loc>
      <image:title>Retirement Planning Software - No two retirement plans are the same.  Your vision of your retirement is unique to you.  Your advisor can make simple assumptions of the percent of salary replacement after retirement or build a completely custom model based on your vision of retirement.  Do you want to travel the world the first five years?  They can handle that!</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ef8e4c769114e72a0b495bd/1626192519053-EXOMC5KOFFNGEU3IAGVD/Retire%2BReady%2Bscreen%2Bshot%2B7.jpg</image:loc>
      <image:title>Retirement Planning Software - Your pension plan may have several annuity options.  You and your advisor can compare several options side by side to see the impact. Your printed report will give you all your options and how they impact your pension payments.</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ef8e4c769114e72a0b495bd/1626191783126-MDXWUJ391E7BFX8NWLD6/Retire+Ready+screen+shot+8.jpg</image:loc>
      <image:title>Retirement Planning Software - Once your data is in the system, you and your advisor can look at retiring at different ages.  You can determine if you can retire early or look at the impact on your income by working additional years. The system is fully flexible to ask unlimited “what if” questions.</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ef8e4c769114e72a0b495bd/1626191936854-RRZYNXIIK7JFJJHUFZP0/Retire+Ready+screen+shot+9.jpg</image:loc>
      <image:title>Retirement Planning Software - Your final report will have simple-to-read charts and graphs that bring it all together.  This is where you will learn the outcome of all the data your advisor has entered for you.  If there is a shortfall, your advisor will help you develop strategies to reduce or eliminate it.</image:title>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5ef8e4c769114e72a0b495bd/1626192150364-YR4068RLYORA0S697VUS/Retire+Ready+screen+shot+10.jpg</image:loc>
      <image:title>Retirement Planning Software - Don’t put it off another day!  Work with an advisor and get a comprehensive, customized, and optimized plan completed.</image:title>
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  <url>
    <loc>https://www.ed-advisors.org/lakota-local-school-district</loc>
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    <lastmod>2021-08-28</lastmod>
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      <image:title>Lakota Local School District</image:title>
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      <image:title>Lakota Local School District</image:title>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5ef8e4c769114e72a0b495bd/1628548581137-N3T3STAEPG6QLUKKT775/Lakota+new-logo.png</image:loc>
      <image:title>Lakota Local School District - We have partnered with Educational Retirement Advisors to give every staff member and their families access to FREE independent retirement planners.</image:title>
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      <image:title>Lakota Local School District - We are Dedicated to Helping You Plan Your Retirement</image:title>
      <image:caption>The average cost of a complete retirement plan is over $2,000 from a fee-based planner. Our non-profit -Educational Retirement Advisors is committed to giving every employee, spouse or family member of Lakota Local School System a comprehensive plan for FREE.</image:caption>
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  <url>
    <loc>https://www.ed-advisors.org/mayfield-city-school</loc>
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    <lastmod>2021-08-16</lastmod>
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      <image:title>Mayfield City Schools</image:title>
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      <image:title>Mayfield City Schools</image:title>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5ef8e4c769114e72a0b495bd/1629127825966-8L3I7JABR9TSPFK6CW45/DSC_0133_pp%2B%25281%2529.jpg</image:loc>
      <image:title>Mayfield City Schools</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ef8e4c769114e72a0b495bd/1629127238563-TLYH69W6JCI03AXLGWUC/mayfield-city-schools-logo-vector.png</image:loc>
      <image:title>Mayfield City Schools - We have partnered with Educational Retirement Advisors to give every staff member and their families access to FREE independent retirement planners.</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ef8e4c769114e72a0b495bd/1629127669514-IA29IGLQ15ZFX69XV9UZ/Mayfield+BUILDING_Site5.png</image:loc>
      <image:title>Mayfield City Schools - We are Dedicated to Helping You Plan Your Retirement</image:title>
      <image:caption>The average cost of a complete retirement plan is over $2,000 from a fee-based planner. Our non-profit -Educational Retirment Advisors is committed to giving every employee, spouse or family member of Mayfield City School System a comprehensive plan for FREE.</image:caption>
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  <url>
    <loc>https://www.ed-advisors.org/life-insurance-needs-analysis</loc>
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    <lastmod>2023-06-22</lastmod>
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  <url>
    <loc>https://www.ed-advisors.org/5-financial-retirement-risks</loc>
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    <priority>0.75</priority>
    <lastmod>2022-12-09</lastmod>
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  <url>
    <loc>https://www.ed-advisors.org/403b457-audit</loc>
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    <lastmod>2022-12-12</lastmod>
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