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		<title>Chesapeake Financial Planners</title>
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			<guid><![CDATA[https://chesapeakefp.com/perspectives/municipal-or-corporate-bonds-what-fits-your-clients-best/]]></guid>
			<link><![CDATA[https://chesapeakefp.com/perspectives/municipal-or-corporate-bonds-what-fits-your-clients-best/]]></link>
			<title>Municipal or Corporate Bonds: What Fits Your Clients Best?</title>
			<pubDate><![CDATA[Thu, 22 Oct 2026 12:10:00 +0000]]></pubDate>
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			<title>When To Scale Into a Trade (and When To Stay Out)</title>
			<pubDate><![CDATA[Thu, 22 Oct 2026 12:09:58 +0000]]></pubDate>
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			<guid><![CDATA[https://chesapeakefp.com/perspectives/talking-to-your-aging-parents-about-money/]]></guid>
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			<title>Talking to Your Aging Parents About Money</title>
			<pubDate><![CDATA[Thu, 22 Oct 2026 12:02:31 +0000]]></pubDate>
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			<title>Think a Roth Conversion Is Always Smart? Here Are 5 Times It Could Cost You</title>
			<pubDate><![CDATA[Thu, 22 Oct 2026 12:02:30 +0000]]></pubDate>
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			<title>4%, 5%, higher? Amid Fed rate hikes, here&#8217;s how to do the math on whether a higher CD rate is really worth it</title>
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			<title>How Much Does A Financial Advisor Cost?</title>
			<pubDate><![CDATA[Thu, 22 Oct 2026 12:02:28 +0000]]></pubDate>
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			<link><![CDATA[https://chesapeakefp.com/perspectives/smart-retirement-moves-for-may-december-couples/]]></link>
			<title>Smart Retirement Moves for May-December Couples</title>
			<pubDate><![CDATA[Thu, 22 Oct 2026 12:02:27 +0000]]></pubDate>
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			<guid><![CDATA[https://chesapeakefp.com/perspectives/why-a-b-plus-on-this-retirement-test-is-the-secret-to-a-better-life-after-65/]]></guid>
			<link><![CDATA[https://chesapeakefp.com/perspectives/why-a-b-plus-on-this-retirement-test-is-the-secret-to-a-better-life-after-65/]]></link>
			<title>Why a &#8216;B-Plus&#8217; on This Retirement Test Is the Secret to a Better Life After 65</title>
			<pubDate><![CDATA[Thu, 22 Oct 2026 12:02:25 +0000]]></pubDate>
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			<guid><![CDATA[https://chesapeakefp.com/perspectives/what-is-a-trump-account-a-complete-guide-to-the-new-savings-program-for-kids/]]></guid>
			<link><![CDATA[https://chesapeakefp.com/perspectives/what-is-a-trump-account-a-complete-guide-to-the-new-savings-program-for-kids/]]></link>
			<title>What is a Trump Account? A complete guide to the new savings program for kids.</title>
			<pubDate><![CDATA[Thu, 22 Oct 2026 12:02:24 +0000]]></pubDate>
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			<guid><![CDATA[https://chesapeakefp.com/perspectives/how-artificial-intelligence-is-reshaping-the-nasdaq-100/]]></guid>
			<link><![CDATA[https://chesapeakefp.com/perspectives/how-artificial-intelligence-is-reshaping-the-nasdaq-100/]]></link>
			<title>How Artificial Intelligence Is Reshaping the Nasdaq 100</title>
			<pubDate><![CDATA[Thu, 22 Oct 2026 12:02:23 +0000]]></pubDate>
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			<guid><![CDATA[https://chesapeakefp.com/perspectives/key-trends-that-could-shape-the-next-decade-for-nasdaq-100-companies/]]></guid>
			<link><![CDATA[https://chesapeakefp.com/perspectives/key-trends-that-could-shape-the-next-decade-for-nasdaq-100-companies/]]></link>
			<title>Key Trends That Could Shape the Next Decade for Nasdaq 100 Companies</title>
			<pubDate><![CDATA[Thu, 22 Oct 2026 12:02:22 +0000]]></pubDate>
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			<guid><![CDATA[https://chesapeakefp.com/perspectives/wall-st-regulator-unveils-new-retail-investor-proposals-for-private-assets/]]></guid>
			<link><![CDATA[https://chesapeakefp.com/perspectives/wall-st-regulator-unveils-new-retail-investor-proposals-for-private-assets/]]></link>
			<title>Wall St regulator unveils new retail investor proposals for private assets</title>
			<pubDate><![CDATA[Thu, 22 Oct 2026 12:02:20 +0000]]></pubDate>
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			<guid><![CDATA[https://chesapeakefp.com/perspectives/the-growing-problem-of-permanent-car-loans-why-the-math-of-car-buying-is-breaking-down/]]></guid>
			<link><![CDATA[https://chesapeakefp.com/perspectives/the-growing-problem-of-permanent-car-loans-why-the-math-of-car-buying-is-breaking-down/]]></link>
			<title>The growing problem of &#8216;permanent car loans&#8217;: Why the math of car buying is breaking down</title>
			<pubDate><![CDATA[Thu, 22 Oct 2026 12:02:07 +0000]]></pubDate>
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			<guid><![CDATA[https://chesapeakefp.com/perspectives/10-things-gen-xers-should-stop-spending-on/]]></guid>
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			<title>10 Things Gen Xers Should Stop Spending On</title>
			<pubDate><![CDATA[Thu, 22 Oct 2026 12:02:05 +0000]]></pubDate>
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			<title>Why emotional attachment to your business is a financial risk factor</title>
			<pubDate><![CDATA[Thu, 22 Oct 2026 12:02:04 +0000]]></pubDate>
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			<link><![CDATA[https://chesapeakefp.com/perspectives/are-you-only-paying-the-minimum-on-your-credit-card-bills-heres-how-to-break-the-cycle/]]></link>
			<title>Are You Only Paying the Minimum on Your Credit Card Bills? Here’s How to Break the Cycle</title>
			<pubDate><![CDATA[Thu, 22 Oct 2026 12:02:03 +0000]]></pubDate>
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			<guid><![CDATA[https://chesapeakefp.com/perspectives/working-past-65-here-are-4-simple-steps-to-avoid-the-medicare-trap-and-costly-lifetime-penalties/]]></guid>
			<link><![CDATA[https://chesapeakefp.com/perspectives/working-past-65-here-are-4-simple-steps-to-avoid-the-medicare-trap-and-costly-lifetime-penalties/]]></link>
			<title>Working Past 65? Here Are 4 Simple Steps to Avoid the Medicare Trap and Costly Lifetime Penalties</title>
			<pubDate><![CDATA[Thu, 22 Oct 2026 12:02:02 +0000]]></pubDate>
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			<guid><![CDATA[https://chesapeakefp.com/perspectives/retirement-planning-in-your-70s-and-beyond-what-to-know-about-rmds-social-security-long-term-care-and-legacy-planning/]]></guid>
			<link><![CDATA[https://chesapeakefp.com/perspectives/retirement-planning-in-your-70s-and-beyond-what-to-know-about-rmds-social-security-long-term-care-and-legacy-planning/]]></link>
			<title>Retirement planning in your 70s and beyond: What to know about RMDs, Social Security, long-term care, and legacy planning</title>
			<pubDate><![CDATA[Thu, 22 Oct 2026 12:02:01 +0000]]></pubDate>
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			<guid><![CDATA[https://chesapeakefp.com/perspectives/ai-powered-stock-funds-bet-bots-can-pick-stocks-faster-and-better-than-humans/]]></guid>
			<link><![CDATA[https://chesapeakefp.com/perspectives/ai-powered-stock-funds-bet-bots-can-pick-stocks-faster-and-better-than-humans/]]></link>
			<title>AI-powered stock funds bet bots can pick stocks faster and better than humans</title>
			<pubDate><![CDATA[Thu, 22 Oct 2026 12:01:59 +0000]]></pubDate>
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			<guid><![CDATA[https://chesapeakefp.com/perspectives/retired-americans-are-putting-off-fun-for-fear-of-running-out-of-money/]]></guid>
			<link><![CDATA[https://chesapeakefp.com/perspectives/retired-americans-are-putting-off-fun-for-fear-of-running-out-of-money/]]></link>
			<title>Retired Americans Are Putting Off Fun for Fear of Running Out of Money</title>
			<pubDate><![CDATA[Thu, 22 Oct 2026 12:01:58 +0000]]></pubDate>
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			<guid><![CDATA[https://chesapeakefp.com/perspectives/the-dividend-nomads-investing-their-way-out-of-the-9-to-5/]]></guid>
			<link><![CDATA[https://chesapeakefp.com/perspectives/the-dividend-nomads-investing-their-way-out-of-the-9-to-5/]]></link>
			<title>The ‘Dividend Nomads’ Investing Their Way Out of the 9-to-5</title>
			<pubDate><![CDATA[Thu, 22 Oct 2026 12:01:57 +0000]]></pubDate>
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			<guid><![CDATA[https://chesapeakefp.com/perspectives/why-a-5-million-portfolio-changes-your-entire-estate-plan/]]></guid>
			<link><![CDATA[https://chesapeakefp.com/perspectives/why-a-5-million-portfolio-changes-your-entire-estate-plan/]]></link>
			<title>Why a $5 Million+ Portfolio Changes Your Entire Estate Plan</title>
			<pubDate><![CDATA[Thu, 22 Oct 2026 12:01:56 +0000]]></pubDate>
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			<guid><![CDATA[https://chesapeakefp.com/perspectives/johns-hopkins-retirement-benefits/]]></guid>
			<link><![CDATA[https://chesapeakefp.com/perspectives/johns-hopkins-retirement-benefits/]]></link>
			<title>How should Johns Hopkins and Baltimore-area employees plan their 403(b) and equity benefits?</title>
			<pubDate><![CDATA[Thu, 22 Oct 2026 11:23:50 +0000]]></pubDate>
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			<guid><![CDATA[https://chesapeakefp.com/perspectives/rmd-before-roth-conversion/]]></guid>
			<link><![CDATA[https://chesapeakefp.com/perspectives/rmd-before-roth-conversion/]]></link>
			<title>Do I have to take my RMD before doing a Roth conversion?</title>
			<pubDate><![CDATA[Thu, 22 Oct 2026 11:23:47 +0000]]></pubDate>
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			<guid><![CDATA[https://chesapeakefp.com/perspectives/maryland-inheritance-tax-who-pays/]]></guid>
			<link><![CDATA[https://chesapeakefp.com/perspectives/maryland-inheritance-tax-who-pays/]]></link>
			<title>Who pays Maryland&#8217;s 10% inheritance tax, and how do I protect non-lineal heirs?</title>
			<pubDate><![CDATA[Thu, 22 Oct 2026 11:23:33 +0000]]></pubDate>
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			<guid><![CDATA[https://chesapeakefp.com/perspectives/financial-advisor-in-your-30s/]]></guid>
			<link><![CDATA[https://chesapeakefp.com/perspectives/financial-advisor-in-your-30s/]]></link>
			<title>Is it worth hiring a financial advisor in my 30s and 40s?</title>
			<pubDate><![CDATA[Thu, 22 Oct 2026 11:21:16 +0000]]></pubDate>
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			<guid><![CDATA[https://chesapeakefp.com/perspectives/living-trust-vs-will/]]></guid>
			<link><![CDATA[https://chesapeakefp.com/perspectives/living-trust-vs-will/]]></link>
			<title>Do I need a living trust or just a will in Maryland?</title>
			<pubDate><![CDATA[Thu, 22 Oct 2026 11:21:11 +0000]]></pubDate>
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			<guid><![CDATA[https://chesapeakefp.com/perspectives/how-much-emergency-fund/]]></guid>
			<link><![CDATA[https://chesapeakefp.com/perspectives/how-much-emergency-fund/]]></link>
			<title>How much should I have in my emergency fund?</title>
			<pubDate><![CDATA[Thu, 22 Oct 2026 11:19:50 +0000]]></pubDate>
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			<guid><![CDATA[https://chesapeakefp.com/perspectives/what-is-a-roth-ira/]]></guid>
			<link><![CDATA[https://chesapeakefp.com/perspectives/what-is-a-roth-ira/]]></link>
			<title>What is a Roth IRA, and how is it different from a traditional IRA?</title>
			<pubDate><![CDATA[Thu, 22 Oct 2026 11:19:42 +0000]]></pubDate>
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			<guid><![CDATA[https://chesapeakefp.com/perspectives/can-ai-replace-a-financial-advisor/]]></guid>
			<link><![CDATA[https://chesapeakefp.com/perspectives/can-ai-replace-a-financial-advisor/]]></link>
			<title>Can ChatGPT replace a financial advisor?</title>
			<pubDate><![CDATA[Thu, 22 Oct 2026 11:19:34 +0000]]></pubDate>
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			<guid><![CDATA[https://chesapeakefp.com/perspectives/how-credit-score-works/]]></guid>
			<link><![CDATA[https://chesapeakefp.com/perspectives/how-credit-score-works/]]></link>
			<title>How Credit Scores Work: What Affects It Most?</title>
			<pubDate><![CDATA[Thu, 22 Oct 2026 11:18:36 +0000]]></pubDate>
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			<guid><![CDATA[https://chesapeakefp.com/perspectives/how-compound-interest-works/]]></guid>
			<link><![CDATA[https://chesapeakefp.com/perspectives/how-compound-interest-works/]]></link>
			<title>How Compound Interest Works: What Will Your Money Become?</title>
			<pubDate><![CDATA[Thu, 22 Oct 2026 11:17:47 +0000]]></pubDate>
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			<guid><![CDATA[https://chesapeakefp.com/perspectives/i-bonds-vs-treasury-bills/]]></guid>
			<link><![CDATA[https://chesapeakefp.com/perspectives/i-bonds-vs-treasury-bills/]]></link>
			<title>I Bonds vs Treasury Bills: Which Is Right for Your Cash?</title>
			<pubDate><![CDATA[Thu, 22 Oct 2026 11:17:42 +0000]]></pubDate>
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			<guid><![CDATA[https://chesapeakefp.com/perspectives/dollar-cost-averaging/]]></guid>
			<link><![CDATA[https://chesapeakefp.com/perspectives/dollar-cost-averaging/]]></link>
			<title>Should I dollar-cost average or invest a lump sum?</title>
			<pubDate><![CDATA[Thu, 22 Oct 2026 11:17:30 +0000]]></pubDate>
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			<guid><![CDATA[https://chesapeakefp.com/perspectives/umbrella-insurance/]]></guid>
			<link><![CDATA[https://chesapeakefp.com/perspectives/umbrella-insurance/]]></link>
			<title>What is umbrella insurance, and do I need it?</title>
			<pubDate><![CDATA[Thu, 22 Oct 2026 11:14:50 +0000]]></pubDate>
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			<guid><![CDATA[https://chesapeakefp.com/perspectives/types-of-life-insurance/]]></guid>
			<link><![CDATA[https://chesapeakefp.com/perspectives/types-of-life-insurance/]]></link>
			<title>Term, whole, or universal life insurance: what is the difference?</title>
			<pubDate><![CDATA[Thu, 22 Oct 2026 11:14:44 +0000]]></pubDate>
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			<guid><![CDATA[https://chesapeakefp.com/perspectives/medicare-parts-explained/]]></guid>
			<link><![CDATA[https://chesapeakefp.com/perspectives/medicare-parts-explained/]]></link>
			<title>What are Medicare Parts A, B, C, and D?</title>
			<pubDate><![CDATA[Thu, 22 Oct 2026 11:13:59 +0000]]></pubDate>
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			<guid><![CDATA[https://chesapeakefp.com/perspectives/health-insurance-before-medicare/]]></guid>
			<link><![CDATA[https://chesapeakefp.com/perspectives/health-insurance-before-medicare/]]></link>
			<title>How do I get health insurance between early retirement and Medicare?</title>
			<pubDate><![CDATA[Thu, 22 Oct 2026 11:13:51 +0000]]></pubDate>
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			<guid><![CDATA[https://chesapeakefp.com/perspectives/irmaa-medicare/]]></guid>
			<link><![CDATA[https://chesapeakefp.com/perspectives/irmaa-medicare/]]></link>
			<title>What is IRMAA, and how does income raise my Medicare premium?</title>
			<pubDate><![CDATA[Thu, 22 Oct 2026 11:13:48 +0000]]></pubDate>
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			<guid><![CDATA[https://chesapeakefp.com/perspectives/roth-401k-vs-traditional/]]></guid>
			<link><![CDATA[https://chesapeakefp.com/perspectives/roth-401k-vs-traditional/]]></link>
			<title>Roth 401(k) or traditional 401(k): which should I choose?</title>
			<pubDate><![CDATA[Thu, 22 Oct 2026 11:13:35 +0000]]></pubDate>
		</item>
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			<guid><![CDATA[https://chesapeakefp.com/perspectives/how-are-rmds-calculated/]]></guid>
			<link><![CDATA[https://chesapeakefp.com/perspectives/how-are-rmds-calculated/]]></link>
			<title>How are my RMDs calculated?</title>
			<pubDate><![CDATA[Thu, 22 Oct 2026 11:13:08 +0000]]></pubDate>
		</item>
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			<guid><![CDATA[https://chesapeakefp.com/perspectives/guardian-for-minor-children/]]></guid>
			<link><![CDATA[https://chesapeakefp.com/perspectives/guardian-for-minor-children/]]></link>
			<title>How Do You Name a Guardian for Minor Children?</title>
			<pubDate><![CDATA[Thu, 22 Oct 2026 11:11:00 +0000]]></pubDate>
		</item>
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			<guid><![CDATA[https://chesapeakefp.com/perspectives/social-security-earnings-test/]]></guid>
			<link><![CDATA[https://chesapeakefp.com/perspectives/social-security-earnings-test/]]></link>
			<title>How does the Social Security earnings test work if I keep working?</title>
			<pubDate><![CDATA[Thu, 22 Oct 2026 11:10:49 +0000]]></pubDate>
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			<guid><![CDATA[https://chesapeakefp.com/perspectives/social-security-fairness-act/]]></guid>
			<link><![CDATA[https://chesapeakefp.com/perspectives/social-security-fairness-act/]]></link>
			<title>What does the Social Security Fairness Act mean now that WEP and GPO are gone?</title>
			<pubDate><![CDATA[Thu, 22 Oct 2026 11:10:18 +0000]]></pubDate>
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			<guid><![CDATA[https://chesapeakefp.com/perspectives/social-security-bridge-strategy/]]></guid>
			<link><![CDATA[https://chesapeakefp.com/perspectives/social-security-bridge-strategy/]]></link>
			<title>How do I bridge my income to delay Social Security to 70?</title>
			<pubDate><![CDATA[Thu, 22 Oct 2026 11:10:14 +0000]]></pubDate>
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			<guid><![CDATA[https://chesapeakefp.com/perspectives/bunching-donations/]]></guid>
			<link><![CDATA[https://chesapeakefp.com/perspectives/bunching-donations/]]></link>
			<title>How does bunching charitable donations help me clear the standard deduction?</title>
			<pubDate><![CDATA[Thu, 22 Oct 2026 11:10:07 +0000]]></pubDate>
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			<guid><![CDATA[https://chesapeakefp.com/perspectives/medicaid-look-back-period/]]></guid>
			<link><![CDATA[https://chesapeakefp.com/perspectives/medicaid-look-back-period/]]></link>
			<title>How Does the Medicaid Look-Back Period Work for Long-Term Care?</title>
			<pubDate><![CDATA[Thu, 22 Oct 2026 11:08:47 +0000]]></pubDate>
		</item>
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			<guid><![CDATA[https://chesapeakefp.com/perspectives/83b-election/]]></guid>
			<link><![CDATA[https://chesapeakefp.com/perspectives/83b-election/]]></link>
			<title>What is the 83(b) election, and why does the deadline matter?</title>
			<pubDate><![CDATA[Thu, 22 Oct 2026 11:08:44 +0000]]></pubDate>
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			<guid><![CDATA[https://chesapeakefp.com/perspectives/kiddie-tax/]]></guid>
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			<title>What is the kiddie tax, and how is my child&#8217;s investment income taxed?</title>
			<pubDate><![CDATA[Thu, 22 Oct 2026 11:08:42 +0000]]></pubDate>
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			<pubDate><![CDATA[Thu, 17 Sep 2026 14:45:16 +0000]]></pubDate>
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