<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">
  <url>
    <loc>https://retire-at-new-heights-with-johnnie-roberts.simplecast.com</loc>
    <lastmod>2026-05-22</lastmod>
    <priority>1</priority>
  </url>
  <url>
    <loc>https://retire-at-new-heights-with-johnnie-roberts.simplecast.com/episodes</loc>
    <lastmod>2026-05-22</lastmod>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://retire-at-new-heights-with-johnnie-roberts.simplecast.com/episodes/the-power-of-zero-your-59-1-2-birthday-is-more-important-than-you-may-realize-mA7duqVt</loc>
    <lastmod>2026-05-22</lastmod>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://retire-at-new-heights-with-johnnie-roberts.simplecast.com/episodes/the-power-of-zero-traditional-ira-roth-4t3oWSJf</loc>
    <lastmod>2026-05-21</lastmod>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://retire-at-new-heights-with-johnnie-roberts.simplecast.com/episodes/the-power-of-zero-with-giving-money-to-your-kids-f5HjO_1O</loc>
    <lastmod>2026-05-08</lastmod>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://retire-at-new-heights-with-johnnie-roberts.simplecast.com/episodes/the-power-of-zero-with-annuities-no-loss-no-taxes-no-worries-axg811ky</loc>
    <lastmod>2026-05-01</lastmod>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://retire-at-new-heights-with-johnnie-roberts.simplecast.com/episodes/how-do-taxes-affect-estate-planning-with-special-guest-shelly-cioppa-founder-of-sharp-edge-tax-solutions-cEIEHTIr</loc>
    <lastmod>2026-04-24</lastmod>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://retire-at-new-heights-with-johnnie-roberts.simplecast.com/episodes/is-a-roth-conversion-the-right-thing-to-do-with-special-guest-shelly-cioppa-founder-of-sharp-edge-tax-solutions-bHcLVnlE</loc>
    <lastmod>2026-04-17</lastmod>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://retire-at-new-heights-with-johnnie-roberts.simplecast.com/episodes/how-much-can-i-put-into-a-roth-or-401k-with-special-guest-shelly-cioppa-founder-of-sharp-edge-tax-solutions-ClYvpwRa</loc>
    <lastmod>2026-04-10</lastmod>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://retire-at-new-heights-with-johnnie-roberts.simplecast.com/episodes/the-pros-and-cons-of-a-tax-refund-with-special-guest-shelly-cioppa-founder-of-sharp-edge-tax-solutions-t0oESZS3</loc>
    <lastmod>2026-04-03</lastmod>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://retire-at-new-heights-with-johnnie-roberts.simplecast.com/episodes/the-19-000-tax-axe-strategy-with-special-guest-shelly-cioppa-founder-of-sharp-edge-tax-solutions-leDwL7yH</loc>
    <lastmod>2026-03-27</lastmod>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://retire-at-new-heights-with-johnnie-roberts.simplecast.com/episodes/when-to-take-withdrawls-from-my-retirement-accounts-with-special-guest-shelly-cioppa-founder-of-sharp-edge-tax-solutions-wzq94ndY</loc>
    <lastmod>2026-03-20</lastmod>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://retire-at-new-heights-with-johnnie-roberts.simplecast.com/episodes/how-the-big-beautiful-bill-impacts-tax-planning-with-special-guest-shelly-cioppa-founder-of-sharp-edge-tax-solutions-i3Gk_dFV</loc>
    <lastmod>2026-03-13</lastmod>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://retire-at-new-heights-with-johnnie-roberts.simplecast.com/episodes/sharpen-your-tax-axe-with-special-guest-shelly-cioppa-founder-of-sharp-edge-tax-solutions-33e7wmYx</loc>
    <lastmod>2026-03-06</lastmod>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://retire-at-new-heights-with-johnnie-roberts.simplecast.com/episodes/the-power-of-zero-with-life-insurance-pWNQjg1i</loc>
    <lastmod>2026-02-27</lastmod>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://retire-at-new-heights-with-johnnie-roberts.simplecast.com/episodes/the-power-of-zero-mindset-twlxQx98</loc>
    <lastmod>2026-02-20</lastmod>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://retire-at-new-heights-with-johnnie-roberts.simplecast.com/episodes/how-taxes-affect-income-in-retirement-Ije_hv1j</loc>
    <lastmod>2026-02-13</lastmod>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://retire-at-new-heights-with-johnnie-roberts.simplecast.com/episodes/maximize-your-roth-ira-before-its-too-late-cZuG7V7f</loc>
    <lastmod>2026-02-06</lastmod>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://retire-at-new-heights-with-johnnie-roberts.simplecast.com/episodes/planning-for-the-unplanned-medicare-ss-taxes-etc-IH8TWEGO</loc>
    <lastmod>2026-01-30</lastmod>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://retire-at-new-heights-with-johnnie-roberts.simplecast.com/episodes/aunt-irmaa-and-her-rules-qBU_iNwU</loc>
    <lastmod>2026-01-23</lastmod>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://retire-at-new-heights-with-johnnie-roberts.simplecast.com/episodes/playing-by-the-rules-H6B2Gl_s</loc>
    <lastmod>2026-01-16</lastmod>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://retire-at-new-heights-with-johnnie-roberts.simplecast.com/episodes/talking-about-the-mrs-the-misses-that-are-so-common-in-retirement-planning-fgDE57Ol</loc>
    <lastmod>2026-01-09</lastmod>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://retire-at-new-heights-with-johnnie-roberts.simplecast.com/episodes/a-retirement-fund-is-not-a-retirement-plan-6fcNY_c4</loc>
    <lastmod>2026-01-02</lastmod>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://retire-at-new-heights-with-johnnie-roberts.simplecast.com/episodes/series-life-insurance-inheriting-money-is-not-all-its-cracked-up-to-be-unless-its-coming-from-life-insurance-IacK49Ey</loc>
    <lastmod>2025-12-26</lastmod>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://retire-at-new-heights-with-johnnie-roberts.simplecast.com/episodes/series-life-insurance-how-to-maximize-your-income-minimize-your-taxes-sONQnVoR</loc>
    <lastmod>2025-12-19</lastmod>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://retire-at-new-heights-with-johnnie-roberts.simplecast.com/episodes/series-life-insurance-not-counted-as-income-for-social-security-benefits-dmmji7fG</loc>
    <lastmod>2025-12-16</lastmod>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://retire-at-new-heights-with-johnnie-roberts.simplecast.com/episodes/series-life-insurance-maximize-your-legacy-money-using-life-insurance-_ZN2Bk6p</loc>
    <lastmod>2025-12-05</lastmod>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://retire-at-new-heights-with-johnnie-roberts.simplecast.com/episodes/series-life-insurance-tax-free-income-in-retirement-D_RlEMPp</loc>
    <lastmod>2025-11-28</lastmod>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://retire-at-new-heights-with-johnnie-roberts.simplecast.com/episodes/series-life-insurance-growth-capital-income-FF3APqrs</loc>
    <lastmod>2025-11-21</lastmod>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://retire-at-new-heights-with-johnnie-roberts.simplecast.com/episodes/series-life-insurance-the-types-of-insurance-to-consider-sYTZjMF_</loc>
    <lastmod>2025-11-14</lastmod>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://retire-at-new-heights-with-johnnie-roberts.simplecast.com/episodes/legacy-planning-in-the-spirit-of-christmas-m_P7JwXW</loc>
    <lastmod>2025-11-07</lastmod>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://retire-at-new-heights-with-johnnie-roberts.simplecast.com/episodes/series-annuities-upside-participation-with-downside-protection-GLZlY465</loc>
    <lastmod>2025-10-31</lastmod>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://retire-at-new-heights-with-johnnie-roberts.simplecast.com/episodes/series-annuities-receive-a-pay-raise-and-beat-inflation-upO_C7QI</loc>
    <lastmod>2025-10-24</lastmod>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://retire-at-new-heights-with-johnnie-roberts.simplecast.com/episodes/series-annuities-paying-for-long-term-healthcare-I0WMa5Qt</loc>
    <lastmod>2025-10-17</lastmod>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://retire-at-new-heights-with-johnnie-roberts.simplecast.com/episodes/series-annuities-guaranteed-income-for-life-income-riders-ckMdDXyD</loc>
    <lastmod>2025-10-10</lastmod>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://retire-at-new-heights-with-johnnie-roberts.simplecast.com/episodes/series-annuities-types-of-annuities-sV0ECiSr</loc>
    <lastmod>2025-10-03</lastmod>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://retire-at-new-heights-with-johnnie-roberts.simplecast.com/episodes/series-annuities-overview-and-variable-annuities-3VLQRNqU</loc>
    <lastmod>2025-09-26</lastmod>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://retire-at-new-heights-with-johnnie-roberts.simplecast.com/episodes/guaranteed-retirement-income-life-ins-fias-pensions-JFKvlw8z</loc>
    <lastmod>2025-09-19</lastmod>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://retire-at-new-heights-with-johnnie-roberts.simplecast.com/episodes/providing-for-your-spouse-after-you-die-hkm_wqQw</loc>
    <lastmod>2025-09-12</lastmod>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://retire-at-new-heights-with-johnnie-roberts.simplecast.com/episodes/how-not-to-leave-money-to-your-family-XBCfd6vp</loc>
    <lastmod>2025-09-05</lastmod>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://retire-at-new-heights-with-johnnie-roberts.simplecast.com/episodes/the-big-beautiful-bill-and-how-it-may-affect-your-retirement-part-2-kPgsJozp</loc>
    <lastmod>2025-08-29</lastmod>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://retire-at-new-heights-with-johnnie-roberts.simplecast.com/episodes/the-big-beautiful-bill-and-how-it-may-affect-your-retirement-ZeqtOa8z</loc>
    <lastmod>2025-08-22</lastmod>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://retire-at-new-heights-with-johnnie-roberts.simplecast.com/episodes/medicare-for-retirement-the-alphabet-soup-of-medicare-part-2-7Hx_R4Xh</loc>
    <lastmod>2025-08-15</lastmod>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://retire-at-new-heights-with-johnnie-roberts.simplecast.com/episodes/medicare-for-retirement-the-alphabet-soup-of-medicare-cPKkjTtz</loc>
    <lastmod>2025-08-08</lastmod>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://retire-at-new-heights-with-johnnie-roberts.simplecast.com/episodes/medicare-for-retirement-when-do-i-enroll-and-why-HsNhC110</loc>
    <lastmod>2025-08-01</lastmod>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://retire-at-new-heights-with-johnnie-roberts.simplecast.com/episodes/medicare-for-retirement-with-special-guest-steve-ahonen-k0rh_3Zz</loc>
    <lastmod>2025-07-25</lastmod>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://retire-at-new-heights-with-johnnie-roberts.simplecast.com/episodes/it-doesnt-matter-how-much-you-save-as-much-as-how-much-you-keep-0aPBfTPv</loc>
    <lastmod>2025-07-18</lastmod>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://retire-at-new-heights-with-johnnie-roberts.simplecast.com/episodes/dont-be-a-statement-retiree-PjBGPIPu</loc>
    <lastmod>2025-07-11</lastmod>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://retire-at-new-heights-with-johnnie-roberts.simplecast.com/episodes/flying-a-plane-full-throttle-vs-crusing-speed-vs-landing-obfMcyJd</loc>
    <lastmod>2025-07-04</lastmod>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://retire-at-new-heights-with-johnnie-roberts.simplecast.com/episodes/offensive-defensive-retirement-planning-sGNfGLzN</loc>
    <lastmod>2025-06-27</lastmod>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://retire-at-new-heights-with-johnnie-roberts.simplecast.com/episodes/taxes-inflation-healthcare-oh-my-_meEijoT</loc>
    <lastmod>2025-06-20</lastmod>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://retire-at-new-heights-with-johnnie-roberts.simplecast.com/episodes/riding-roller-coasters-in-retirement-ipb0rOhV</loc>
    <lastmod>2025-06-13</lastmod>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://retire-at-new-heights-with-johnnie-roberts.simplecast.com/episodes/making-your-money-last-the-rest-of-your-life-oxTOv7oc</loc>
    <lastmod>2025-06-06</lastmod>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://retire-at-new-heights-with-johnnie-roberts.simplecast.com/episodes/the-craftsman-approach-to-retirement-planning-F84_D5_N</loc>
    <lastmod>2025-05-30</lastmod>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://retire-at-new-heights-with-johnnie-roberts.simplecast.com/episodes/tools-of-the-trade-4cPMu07H</loc>
    <lastmod>2025-05-23</lastmod>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://retire-at-new-heights-with-johnnie-roberts.simplecast.com/episodes/retirement-lifeboats-oVFavj_6</loc>
    <lastmod>2025-05-19</lastmod>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://retire-at-new-heights-with-johnnie-roberts.simplecast.com/episodes/buying-a-pot-of-gold-life-insurance-49aBW7yz</loc>
    <lastmod>2025-05-09</lastmod>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://retire-at-new-heights-with-johnnie-roberts.simplecast.com/episodes/the-value-of-money-1mm-vs-900k-tax-free-dxGZCUkk</loc>
    <lastmod>2025-05-02</lastmod>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://retire-at-new-heights-with-johnnie-roberts.simplecast.com/episodes/ways-you-can-use-your-rmds-2qd_l9yo</loc>
    <lastmod>2025-04-25</lastmod>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://retire-at-new-heights-with-johnnie-roberts.simplecast.com/episodes/why-i-love-doing-yard-work-FeRJZLjj</loc>
    <lastmod>2025-04-18</lastmod>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://retire-at-new-heights-with-johnnie-roberts.simplecast.com/episodes/how-do-pre-exisiting-conditions-affect-my-ability-to-get-life-insurance-4Gs7_fkF</loc>
    <lastmod>2025-04-11</lastmod>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://retire-at-new-heights-with-johnnie-roberts.simplecast.com/episodes/the-living-benefits-of-life-insurance-NdquMwlp</loc>
    <lastmod>2025-04-04</lastmod>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://retire-at-new-heights-with-johnnie-roberts.simplecast.com/episodes/how-much-life-insurace-do-i-need-egs8_PVd</loc>
    <lastmod>2025-03-28</lastmod>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://retire-at-new-heights-with-johnnie-roberts.simplecast.com/episodes/how-to-get-more-tax-free-income-in-retirement-life-ins-K7wqfjhK</loc>
    <lastmod>2025-03-21</lastmod>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://retire-at-new-heights-with-johnnie-roberts.simplecast.com/episodes/types-of-insurance-term-permanent-why-one-vs-the-other-combine-best-one-for-retirement-planning-RKiin2h5</loc>
    <lastmod>2025-03-14</lastmod>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://retire-at-new-heights-with-johnnie-roberts.simplecast.com/episodes/how-to-create-a-giant-retirement-hm7q5Box</loc>
    <lastmod>2025-03-07</lastmod>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://retire-at-new-heights-with-johnnie-roberts.simplecast.com/episodes/money-in-the-market-vs-safe-money-alternatives-sVqdq7vM</loc>
    <lastmod>2025-02-28</lastmod>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://retire-at-new-heights-with-johnnie-roberts.simplecast.com/episodes/money-is-not-a-retirement-plan-ujEeWQ9j</loc>
    <lastmod>2025-02-21</lastmod>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://retire-at-new-heights-with-johnnie-roberts.simplecast.com/episodes/taxed-tax-deferred-tax-free-JEbjnoGx</loc>
    <lastmod>2025-02-14</lastmod>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://retire-at-new-heights-with-johnnie-roberts.simplecast.com/episodes/your-silent-business-partner-uncle-sam-d_JD8QkJ</loc>
    <lastmod>2025-02-07</lastmod>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://retire-at-new-heights-with-johnnie-roberts.simplecast.com/episodes/social-security-planning-how-taxes-affect-this-Pc2RR7rr</loc>
    <lastmod>2025-01-31</lastmod>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://retire-at-new-heights-with-johnnie-roberts.simplecast.com/episodes/the-hidden-features-of-annuities-HbMGbtDj</loc>
    <lastmod>2025-01-24</lastmod>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://retire-at-new-heights-with-johnnie-roberts.simplecast.com/episodes/a-new-mindset-on-annuities-OFgK0v0W</loc>
    <lastmod>2025-01-17</lastmod>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://retire-at-new-heights-with-johnnie-roberts.simplecast.com/episodes/the-hidden-features-of-life-insurance-rbYY2zvx</loc>
    <lastmod>2025-01-10</lastmod>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://retire-at-new-heights-with-johnnie-roberts.simplecast.com/episodes/a-new-mindset-on-life-insurance-pqv5sXrq</loc>
    <lastmod>2025-01-03</lastmod>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://retire-at-new-heights-with-johnnie-roberts.simplecast.com/episodes/the-swiss-army-knife-of-retirement-i2UpweId</loc>
    <lastmod>2024-12-27</lastmod>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://retire-at-new-heights-with-johnnie-roberts.simplecast.com/episodes/the-purpose-of-your-money-zkjhksM4</loc>
    <lastmod>2024-12-20</lastmod>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://retire-at-new-heights-with-johnnie-roberts.simplecast.com/episodes/when-should-someone-reach-out-to-you-_sp36GXY</loc>
    <lastmod>2024-12-13</lastmod>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://retire-at-new-heights-with-johnnie-roberts.simplecast.com/episodes/your-retirement-dance-partner-_rH__FEv</loc>
    <lastmod>2024-11-27</lastmod>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://retire-at-new-heights-with-johnnie-roberts.simplecast.com/episodes/end-of-year-tax-planning-R2eY9z_2</loc>
    <lastmod>2024-11-29</lastmod>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://retire-at-new-heights-with-johnnie-roberts.simplecast.com/episodes/dying-isnt-the-worst-thing-in-life-1guzIsSs</loc>
    <lastmod>2024-11-22</lastmod>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://retire-at-new-heights-with-johnnie-roberts.simplecast.com/episodes/retirement-cruise-control-knowing-what-you-will-earn-every-year-2oJZmOGR</loc>
    <lastmod>2024-11-15</lastmod>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://retire-at-new-heights-with-johnnie-roberts.simplecast.com/episodes/annuities-and-what-they-can-do-xKZlyQee</loc>
    <lastmod>2024-11-08</lastmod>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://retire-at-new-heights-with-johnnie-roberts.simplecast.com/episodes/why-are-annuities-bad-fjlVSL7G</loc>
    <lastmod>2024-11-01</lastmod>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://retire-at-new-heights-with-johnnie-roberts.simplecast.com/episodes/tax-free-retirement-distribution-kibRg_zV</loc>
    <lastmod>2024-10-25</lastmod>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://retire-at-new-heights-with-johnnie-roberts.simplecast.com/episodes/life-insurance-living-benefits-ltc-inheritance-5WHZSVE9</loc>
    <lastmod>2024-10-18</lastmod>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://retire-at-new-heights-with-johnnie-roberts.simplecast.com/episodes/life-insurance-for-retirement-planning-mC12_gEC</loc>
    <lastmod>2024-10-11</lastmod>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://retire-at-new-heights-with-johnnie-roberts.simplecast.com/episodes/roth-conversion-taxes-ktMjlzHe</loc>
    <lastmod>2024-10-04</lastmod>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://retire-at-new-heights-with-johnnie-roberts.simplecast.com/episodes/rules-of-the-roth-lheEixtT</loc>
    <lastmod>2024-09-27</lastmod>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://retire-at-new-heights-with-johnnie-roberts.simplecast.com/episodes/roth-vs-traditional-e_YLY337</loc>
    <lastmod>2024-09-20</lastmod>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://retire-at-new-heights-with-johnnie-roberts.simplecast.com/episodes/how-taxes-impact-retirement-income-xsneSTiN</loc>
    <lastmod>2024-09-13</lastmod>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://retire-at-new-heights-with-johnnie-roberts.simplecast.com/episodes/the-3-buckets-of-money-8CUz8D6i</loc>
    <lastmod>2024-09-06</lastmod>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://retire-at-new-heights-with-johnnie-roberts.simplecast.com/episodes/the-3-legged-stool-x5hGZb45</loc>
    <lastmod>2024-08-30</lastmod>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://retire-at-new-heights-with-johnnie-roberts.simplecast.com/episodes/accumulation-vs-distribution-iin6v_BO</loc>
    <lastmod>2024-08-23</lastmod>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://retire-at-new-heights-with-johnnie-roberts.simplecast.com/episodes/outliving-your-money-x_qiUadh</loc>
    <lastmod>2024-08-16</lastmod>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://retire-at-new-heights-with-johnnie-roberts.simplecast.com/episodes/your-purpose-in-retirement-2jT6Obr0</loc>
    <lastmod>2024-08-09</lastmod>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://retire-at-new-heights-with-johnnie-roberts.simplecast.com/episodes/long-term-care-shield-nPEuyVAR</loc>
    <lastmod>2024-08-02</lastmod>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://retire-at-new-heights-with-johnnie-roberts.simplecast.com/episodes/the-tax-shield-Fc4ZkVzT</loc>
    <lastmod>2024-07-26</lastmod>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://retire-at-new-heights-with-johnnie-roberts.simplecast.com/episodes/the-social-security-shield-qzu46GNk</loc>
    <lastmod>2024-07-19</lastmod>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://retire-at-new-heights-with-johnnie-roberts.simplecast.com/episodes/the-income-shield-z86b9pO4</loc>
    <lastmod>2024-07-12</lastmod>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://retire-at-new-heights-with-johnnie-roberts.simplecast.com/episodes/who-is-johnnie-roberts-8jOmsHpm</loc>
    <lastmod>2024-07-05</lastmod>
    <priority>0.8</priority>
  </url>

</urlset>