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		<title>Well... It Depends!</title>
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		<description>At the height of their career, many have very little time to optimize their personal finances, due to already balancing work life and home life. JGUA Financial Commentary Podcast aims to simplify personal finance for busy mid-career professionals. In each episode, Andrew will interview a rotating group of employees including Advisors, Tax professionals, and Researchers to provide insights, strategies, and critical thinking on personal finance.</description>
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		<copyright>© 2024 John G. Ullman &amp; Associates</copyright>
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		<itunes:author>Andrew Baron, CFP®, EA</itunes:author>
		<itunes:summary>At the height of their career, many have very little time to optimize their personal finances, due to already balancing work life and home life. JGUA Financial Commentary Podcast aims to simplify personal finance for busy mid-career professionals. In each episode, Andrew will interview a rotating group of employees including Advisors, Tax professionals, and Researchers to provide insights, strategies, and critical thinking on personal finance.</itunes:summary>
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			<itunes:name>John G. Ullman &amp; Associates, Inc.</itunes:name>
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				<title>Well... It Depends!</title>
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<item>
	<title>What’s My Magic Number for Retirement?</title>
	<link>https://jgua.com/podcast/whats-my-magic-number-for-retirement/</link>
	<pubDate>Thu, 14 May 2026 15:46:32 +0000</pubDate>
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	<description><![CDATA[“Well… It Depends!” explores financial decisions that can’t be answered with a simple yes or no. This week, hosts Andrew Baron, CFP®, EA, and Derek Doyle break down how retirement has evolved—from traditional pensions to today’s 401(k)-driven world—and what that shift means for your financial future. They discuss the key differences between defined benefit and [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[“Well… It Depends!” explores financial decisions that can’t be answered with a simple yes or no. This week, hosts Andrew Baron, CFP®, EA, and Derek Doyle break down how retirement has evolved—from traditional pensions to today’s 401(k)-driven world—and w]]></itunes:subtitle>
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	<itunes:episode>154</itunes:episode>
	<content:encoded><![CDATA[“Well… It Depends!” explores financial decisions that can’t be answered with a simple yes or no. This week, hosts Andrew Baron, CFP®, EA, and Derek Doyle break down how retirement has evolved—from traditional pensions to today’s 401(k)-driven world—and what that shift means for your financial future. They discuss the key differences between defined benefit and [&#8230;]]]></content:encoded>
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	<itunes:summary><![CDATA[“Well… It Depends!” explores financial decisions that can’t be answered with a simple yes or no. This week, hosts Andrew Baron, CFP®, EA, and Derek Doyle break down how retirement has evolved—from traditional pensions to today’s 401(k)-driven world—and what that shift means for your financial future. They discuss the key differences between defined benefit and [&#8230;]]]></itunes:summary>
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		<title>What’s My Magic Number for Retirement?</title>
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	<googleplay:explicit>No</googleplay:explicit>
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<item>
	<title>Tax Planning in 2026: New Rules, Deductions &#038; Smart Strategies (OBBBA Breakdown)</title>
	<link>https://jgua.com/podcast/tax-planning-2026-obbba-strategies-deductions/</link>
	<pubDate>Thu, 30 Apr 2026 19:06:14 +0000</pubDate>
	<dc:creator><![CDATA[Andrew Baron, CFP®, EA]]></dc:creator>
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	<description><![CDATA[“Well… It Depends!” explores financial decisions that can’t be answered with a simple yes or no. This week, hosts Andrew Baron, CFP®, EA, and Derek Doyle break down how retirement has evolved—from traditional pensions to today’s 401(k)-driven world—and what that shift means for your financial future. They discuss the key differences between defined benefit and [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[“Well… It Depends!” explores financial decisions that can’t be answered with a simple yes or no. This week, hosts Andrew Baron, CFP®, EA, and Derek Doyle break down how retirement has evolved—from traditional pensions to today’s 401(k)-driven world—and w]]></itunes:subtitle>
	<itunes:episodeType>full</itunes:episodeType>
	<itunes:episode>153</itunes:episode>
	<content:encoded><![CDATA[“Well… It Depends!” explores financial decisions that can’t be answered with a simple yes or no. This week, hosts Andrew Baron, CFP®, EA, and Derek Doyle break down how retirement has evolved—from traditional pensions to today’s 401(k)-driven world—and what that shift means for your financial future. They discuss the key differences between defined benefit and [&#8230;]]]></content:encoded>
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	<itunes:summary><![CDATA[“Well… It Depends!” explores financial decisions that can’t be answered with a simple yes or no. This week, hosts Andrew Baron, CFP®, EA, and Derek Doyle break down how retirement has evolved—from traditional pensions to today’s 401(k)-driven world—and what that shift means for your financial future. They discuss the key differences between defined benefit and [&#8230;]]]></itunes:summary>
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	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
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<item>
	<title>Markets vs Portfolios Explained: Why the S&#038;P 500 Isn’t Enough for Retirement Planning</title>
	<link>https://jgua.com/podcast/markets-vs-portfolios-sp500-retirement-investing/</link>
	<pubDate>Thu, 16 Apr 2026 19:57:29 +0000</pubDate>
	<dc:creator><![CDATA[Andrew Baron, CFP®, EA]]></dc:creator>
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	<description><![CDATA[“Well… It Depends!” explores financial decisions that can’t be answered with a simple yes or no. This week, hosts Andrew Baron, CFP®, EA, and Derek Doyle break down how retirement has evolved—from traditional pensions to today’s 401(k)-driven world—and what that shift means for your financial future. They discuss the key differences between defined benefit and [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[“Well… It Depends!” explores financial decisions that can’t be answered with a simple yes or no. This week, hosts Andrew Baron, CFP®, EA, and Derek Doyle break down how retirement has evolved—from traditional pensions to today’s 401(k)-driven world—and w]]></itunes:subtitle>
	<itunes:episodeType>full</itunes:episodeType>
	<itunes:episode>152</itunes:episode>
	<content:encoded><![CDATA[“Well… It Depends!” explores financial decisions that can’t be answered with a simple yes or no. This week, hosts Andrew Baron, CFP®, EA, and Derek Doyle break down how retirement has evolved—from traditional pensions to today’s 401(k)-driven world—and what that shift means for your financial future. They discuss the key differences between defined benefit and [&#8230;]]]></content:encoded>
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	<itunes:summary><![CDATA[“Well… It Depends!” explores financial decisions that can’t be answered with a simple yes or no. This week, hosts Andrew Baron, CFP®, EA, and Derek Doyle break down how retirement has evolved—from traditional pensions to today’s 401(k)-driven world—and what that shift means for your financial future. They discuss the key differences between defined benefit and [&#8230;]]]></itunes:summary>
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		<title>Markets vs Portfolios Explained: Why the S&#038;P 500 Isn’t Enough for Retirement Planning</title>
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	<itunes:duration>00:16:44</itunes:duration>
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	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>Pensions to 401(k)s: Why Retirement Isn’t What It Used to Be</title>
	<link>https://jgua.com/podcast/pensions-to-401k-retirement-shift/</link>
	<pubDate>Thu, 02 Apr 2026 20:17:55 +0000</pubDate>
	<dc:creator><![CDATA[Andrew Baron, CFP®, EA]]></dc:creator>
	<guid isPermaLink="false">https://jgua.com/?post_type=podcast&#038;p=13984</guid>
	<description><![CDATA[“Well… It Depends!” explores financial decisions that can’t be answered with a simple yes or no. This week, hosts Andrew Baron, CFP®, EA, and Derek Doyle break down how retirement has evolved—from traditional pensions to today’s 401(k)-driven world—and what that shift means for your financial future. They discuss the key differences between defined benefit and [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[“Well… It Depends!” explores financial decisions that can’t be answered with a simple yes or no. This week, hosts Andrew Baron, CFP®, EA, and Derek Doyle break down how retirement has evolved—from traditional pensions to today’s 401(k)-driven world—and w]]></itunes:subtitle>
	<itunes:episodeType>full</itunes:episodeType>
	<itunes:episode>151</itunes:episode>
	<content:encoded><![CDATA[“Well… It Depends!” explores financial decisions that can’t be answered with a simple yes or no. This week, hosts Andrew Baron, CFP®, EA, and Derek Doyle break down how retirement has evolved—from traditional pensions to today’s 401(k)-driven world—and what that shift means for your financial future. They discuss the key differences between defined benefit and [&#8230;]]]></content:encoded>
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	<itunes:summary><![CDATA[“Well… It Depends!” explores financial decisions that can’t be answered with a simple yes or no. This week, hosts Andrew Baron, CFP®, EA, and Derek Doyle break down how retirement has evolved—from traditional pensions to today’s 401(k)-driven world—and what that shift means for your financial future. They discuss the key differences between defined benefit and [&#8230;]]]></itunes:summary>
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	<itunes:duration>00:22:23</itunes:duration>
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	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
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<item>
	<title>The AI Question: Advice vs. Action</title>
	<link>https://jgua.com/podcast/ai-vs-financial-advisor/</link>
	<pubDate>Thu, 19 Mar 2026 19:28:33 +0000</pubDate>
	<dc:creator><![CDATA[Andrew Baron, CFP®, EA]]></dc:creator>
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	<description><![CDATA[“Well… It Depends!” explores financial decisions that can’t be answered with a simple yes or no. This week, hosts Andrew Baron, CFP®, EA, and Derek Doyle dive into the growing conversation around AI vs. the human advisor. They discuss how AI is influencing the stock market, where it may (and may not) disrupt industries, and [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[“Well… It Depends!” explores financial decisions that can’t be answered with a simple yes or no. This week, hosts Andrew Baron, CFP®, EA, and Derek Doyle dive into the growing conversation around AI vs. the human advisor. They discuss how AI is influenci]]></itunes:subtitle>
	<itunes:episodeType>full</itunes:episodeType>
	<itunes:episode>150</itunes:episode>
	<content:encoded><![CDATA[“Well… It Depends!” explores financial decisions that can’t be answered with a simple yes or no. This week, hosts Andrew Baron, CFP®, EA, and Derek Doyle dive into the growing conversation around AI vs. the human advisor. They discuss how AI is influencing the stock market, where it may (and may not) disrupt industries, and [&#8230;]]]></content:encoded>
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	<itunes:summary><![CDATA[“Well… It Depends!” explores financial decisions that can’t be answered with a simple yes or no. This week, hosts Andrew Baron, CFP®, EA, and Derek Doyle dive into the growing conversation around AI vs. the human advisor. They discuss how AI is influencing the stock market, where it may (and may not) disrupt industries, and [&#8230;]]]></itunes:summary>
	<itunes:image href="https://jgua.com/wp-content/uploads/2026/03/Well.-It-Depends-graphic-scaled.jpg"></itunes:image>
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		<title>The AI Question: Advice vs. Action</title>
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	<itunes:block>no</itunes:block>
	<itunes:duration>00:19:37</itunes:duration>
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	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>Gold, Bitcoin &#038; Real Estate: The Truth About Alternative Investments</title>
	<link>https://jgua.com/podcast/alternative-investments-gold-bitcoin-real-estate/</link>
	<pubDate>Thu, 05 Mar 2026 18:38:50 +0000</pubDate>
	<dc:creator><![CDATA[Andrew Baron, CFP®, EA]]></dc:creator>
	<guid isPermaLink="false">https://jgua.com/?post_type=podcast&#038;p=13875</guid>
	<description><![CDATA[“Well… It Depends!” explores financial decisions that can’t be answered with a simple yes or no. This week, hosts Andrew Baron, CFP®, EA, and Derek Doyle discuss alternative investments—from gold and Bitcoin to real estate. They cover what these assets are, how they can be used in a portfolio, the risks involved, and considerations for [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[“Well… It Depends!” explores financial decisions that can’t be answered with a simple yes or no. This week, hosts Andrew Baron, CFP®, EA, and Derek Doyle discuss alternative investments—from gold and Bitcoin to real estate. They cover what these assets a]]></itunes:subtitle>
	<itunes:episodeType>full</itunes:episodeType>
	<itunes:episode>149</itunes:episode>
	<content:encoded><![CDATA[“Well… It Depends!” explores financial decisions that can’t be answered with a simple yes or no. This week, hosts Andrew Baron, CFP®, EA, and Derek Doyle discuss alternative investments—from gold and Bitcoin to real estate. They cover what these assets are, how they can be used in a portfolio, the risks involved, and considerations for [&#8230;]]]></content:encoded>
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	<itunes:summary><![CDATA[“Well… It Depends!” explores financial decisions that can’t be answered with a simple yes or no. This week, hosts Andrew Baron, CFP®, EA, and Derek Doyle discuss alternative investments—from gold and Bitcoin to real estate. They cover what these assets are, how they can be used in a portfolio, the risks involved, and considerations for [&#8230;]]]></itunes:summary>
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	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>00:13:03</itunes:duration>
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	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
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<item>
	<title>Career Blueprint Series: Real Estate Agents &#038; Brokers</title>
	<link>https://jgua.com/podcast/career-blueprint-real-estate-agents-brokers/</link>
	<pubDate>Thu, 05 Feb 2026 20:04:01 +0000</pubDate>
	<dc:creator><![CDATA[Andrew Baron, CFP®, EA]]></dc:creator>
	<guid isPermaLink="false">https://jgua.com/?post_type=podcast&#038;p=13776</guid>
	<description><![CDATA[“Well… It Depends!” poses a question around financial decisions that cannot be answered with a simple yes or no! This week, host Andrew Baron, CFP®, EA, continues a series called, “The Career Blueprint Series.” In this episode he is speaking on real estate agents and brokers. This episode covers a great deal of information. If [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[“Well… It Depends!” poses a question around financial decisions that cannot be answered with a simple yes or no! This week, host Andrew Baron, CFP®, EA, continues a series called, “The Career Blueprint Series.” In this episode he is speaking on real esta]]></itunes:subtitle>
	<itunes:episodeType>full</itunes:episodeType>
	<itunes:episode>148</itunes:episode>
	<content:encoded><![CDATA[“Well… It Depends!” poses a question around financial decisions that cannot be answered with a simple yes or no! This week, host Andrew Baron, CFP®, EA, continues a series called, “The Career Blueprint Series.” In this episode he is speaking on real estate agents and brokers. This episode covers a great deal of information. If [&#8230;]]]></content:encoded>
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	<itunes:summary><![CDATA[“Well… It Depends!” poses a question around financial decisions that cannot be answered with a simple yes or no! This week, host Andrew Baron, CFP®, EA, continues a series called, “The Career Blueprint Series.” In this episode he is speaking on real estate agents and brokers. This episode covers a great deal of information. If [&#8230;]]]></itunes:summary>
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	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>00:06:11</itunes:duration>
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	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
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<item>
	<title>Career Blueprint Series: Professors</title>
	<link>https://jgua.com/podcast/professor-career-financial-planning-career-blueprint/</link>
	<pubDate>Thu, 22 Jan 2026 14:25:49 +0000</pubDate>
	<dc:creator><![CDATA[Andrew Baron, CFP®, EA]]></dc:creator>
	<guid isPermaLink="false">https://jgua.com/?post_type=podcast&#038;p=13672</guid>
	<description><![CDATA[“Well… It Depends!” poses a question around financial decisions that cannot be answered with a simple yes or no! This week, host Andrew Baron, CFP®, EA, continues a series called, “The Career Blueprint Series.” In this episode he is speaking on professors. This episode covers a great deal of information. If you would like to [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[“Well… It Depends!” poses a question around financial decisions that cannot be answered with a simple yes or no! This week, host Andrew Baron, CFP®, EA, continues a series called, “The Career Blueprint Series.” In this episode he is speaking on professor]]></itunes:subtitle>
	<itunes:episodeType>full</itunes:episodeType>
	<itunes:episode>147</itunes:episode>
	<content:encoded><![CDATA[“Well… It Depends!” poses a question around financial decisions that cannot be answered with a simple yes or no! This week, host Andrew Baron, CFP®, EA, continues a series called, “The Career Blueprint Series.” In this episode he is speaking on professors. This episode covers a great deal of information. If you would like to [&#8230;]]]></content:encoded>
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	<itunes:summary><![CDATA[“Well… It Depends!” poses a question around financial decisions that cannot be answered with a simple yes or no! This week, host Andrew Baron, CFP®, EA, continues a series called, “The Career Blueprint Series.” In this episode he is speaking on professors. This episode covers a great deal of information. If you would like to [&#8230;]]]></itunes:summary>
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	<googleplay:explicit>No</googleplay:explicit>
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	<title>Career Blueprint Series: Nurses</title>
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	<itunes:subtitle><![CDATA[“Well… It Depends!” poses a question around financial decisions that cannot be answered with a simple yes or no! This week, host Andrew Baron, CFP®, EA, continues a series called, “The Career Blueprint Series.” In this episode he is speaking on nurses. T]]></itunes:subtitle>
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	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
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	<title>Career Blueprint Series: Entrepreneurs</title>
	<link>https://jgua.com/podcast/career-blueprint-series-entrepreneurs/</link>
	<pubDate>Tue, 23 Dec 2025 14:27:24 +0000</pubDate>
	<dc:creator><![CDATA[Andrew Baron, CFP®, EA]]></dc:creator>
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	<description><![CDATA[“Well… It Depends!” poses a question around financial decisions that cannot be answered with a simple yes or no! This week, host Andrew Baron, CFP®, EA, continues a series called, “The Career Blueprint Series.” In this episode he is speaking on entrepreneurs. This episode covers a great deal of information. If you would like to [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[“Well… It Depends!” poses a question around financial decisions that cannot be answered with a simple yes or no! This week, host Andrew Baron, CFP®, EA, continues a series called, “The Career Blueprint Series.” In this episode he is speaking on entrepren]]></itunes:subtitle>
	<itunes:episodeType>full</itunes:episodeType>
	<itunes:episode>145</itunes:episode>
	<content:encoded><![CDATA[“Well… It Depends!” poses a question around financial decisions that cannot be answered with a simple yes or no! This week, host Andrew Baron, CFP®, EA, continues a series called, “The Career Blueprint Series.” In this episode he is speaking on entrepreneurs. This episode covers a great deal of information. If you would like to [&#8230;]]]></content:encoded>
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	<itunes:summary><![CDATA[“Well… It Depends!” poses a question around financial decisions that cannot be answered with a simple yes or no! This week, host Andrew Baron, CFP®, EA, continues a series called, “The Career Blueprint Series.” In this episode he is speaking on entrepreneurs. This episode covers a great deal of information. If you would like to [&#8230;]]]></itunes:summary>
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	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
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