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		<title>American Retirees Education Foundation (AREF)</title>
		<link><![CDATA[https://arefseniors.org]]></link>
		<description><![CDATA[American Retirees Education Foundation (AREF)]]></description>
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			<title>Blog</title>
			<pubDate><![CDATA[Wed, 30 May 2018 09:25:34 +0000]]></pubDate>
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			<title>AREF Board of Directors</title>
			<pubDate><![CDATA[Wed, 20 Nov 2024 13:30:57 +0000]]></pubDate>
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			<guid><![CDATA[https://arefseniors.org/irs-exempt-organization-check/]]></guid>
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			<title>IRS Exempt Organization Check</title>
			<pubDate><![CDATA[Wed, 01 Apr 2026 16:38:38 +0000]]></pubDate>
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			<title>Member Support Campaign Drive</title>
			<pubDate><![CDATA[Wed, 01 Apr 2026 16:34:33 +0000]]></pubDate>
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			<guid><![CDATA[https://arefseniors.org/nrln-white-papers/]]></guid>
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			<title>White Papers</title>
			<pubDate><![CDATA[Wed, 01 Apr 2026 16:30:52 +0000]]></pubDate>
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			<title>American Retirees Education Foundation</title>
			<pubDate><![CDATA[Tue, 29 Oct 2024 15:36:37 +0000]]></pubDate>
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			<guid><![CDATA[https://arefseniors.org/8-protecting-retirees-in-mergers-acquisitions-and-spin-offs/]]></guid>
			<link><![CDATA[https://arefseniors.org/8-protecting-retirees-in-mergers-acquisitions-and-spin-offs/]]></link>
			<title>8. Protecting Retirees in Mergers, Acquisitions and Spin-offs </title>
			<pubDate><![CDATA[Tue, 15 Feb 2022 18:30:46 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://arefseniors.org/make-social-security-financial-sound/]]></guid>
			<link><![CDATA[https://arefseniors.org/make-social-security-financial-sound/]]></link>
			<title>5. Make Social Security Financially Sound</title>
			<pubDate><![CDATA[Tue, 15 Feb 2022 18:29:30 +0000]]></pubDate>
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			<guid><![CDATA[https://arefseniors.org/7-protecting-retirees-in-pension-de-risking-by-companies/]]></guid>
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			<title>7. Protecting Retirees in Pension De-risking by Companies</title>
			<pubDate><![CDATA[Tue, 15 Feb 2022 18:29:16 +0000]]></pubDate>
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			<guid><![CDATA[https://arefseniors.org/6-congress-must-take-action-to-reduce-the-price-of-prescription-drugs/]]></guid>
			<link><![CDATA[https://arefseniors.org/6-congress-must-take-action-to-reduce-the-price-of-prescription-drugs/]]></link>
			<title>6. Congress Must Take Action to Reduce the Price of Prescription Drugs</title>
			<pubDate><![CDATA[Tue, 15 Feb 2022 18:23:54 +0000]]></pubDate>
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			<guid><![CDATA[https://arefseniors.org/arefs-2022-major-objectives/]]></guid>
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			<title>AREF&#8217;s 2022 Major Objectives</title>
			<pubDate><![CDATA[Tue, 15 Feb 2022 18:04:45 +0000]]></pubDate>
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			<guid><![CDATA[https://arefseniors.org/5-congress-must-take-action-to-reduce-price-of-prescription-drugs/]]></guid>
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			<title>5. Congress Must Take Action to Reduce Price of Prescription Drugs</title>
			<pubDate><![CDATA[Tue, 15 Feb 2022 14:00:20 +0000]]></pubDate>
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			<guid><![CDATA[https://arefseniors.org/aref-appeal-letter-2/]]></guid>
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			<title>AREF Appeal Letter</title>
			<pubDate><![CDATA[Tue, 08 Aug 2023 22:23:01 +0000]]></pubDate>
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			<guid><![CDATA[https://arefseniors.org/surplus-transfer-rules/]]></guid>
			<link><![CDATA[https://arefseniors.org/surplus-transfer-rules/]]></link>
			<title>The White Papers</title>
			<pubDate><![CDATA[Tue, 08 Aug 2023 22:13:57 +0000]]></pubDate>
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			<guid><![CDATA[https://arefseniors.org/pension-plan-recoupment/]]></guid>
			<link><![CDATA[https://arefseniors.org/pension-plan-recoupment/]]></link>
			<title>Research and Education Expertise</title>
			<pubDate><![CDATA[Tue, 08 Aug 2023 19:45:00 +0000]]></pubDate>
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			<guid><![CDATA[https://arefseniors.org/end-taxpayer-rebates/]]></guid>
			<link><![CDATA[https://arefseniors.org/end-taxpayer-rebates/]]></link>
			<title>Engages, Educates Retirees</title>
			<pubDate><![CDATA[Tue, 08 Aug 2023 19:39:46 +0000]]></pubDate>
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					<item>
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			<link><![CDATA[https://arefseniors.org/direct-contracting/]]></link>
			<title>What We Do</title>
			<pubDate><![CDATA[Tue, 08 Aug 2023 19:29:56 +0000]]></pubDate>
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			<guid><![CDATA[https://arefseniors.org/direct-contracting-2/]]></guid>
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			<title>Our Mission</title>
			<pubDate><![CDATA[Tue, 08 Aug 2023 19:21:40 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://arefseniors.org/promoting-retirement-security-4/]]></guid>
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			<title>Promoting Retirement Security</title>
			<pubDate><![CDATA[Tue, 08 Aug 2023 19:03:22 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://arefseniors.org/new-home-page-for-aref/]]></guid>
			<link><![CDATA[https://arefseniors.org/new-home-page-for-aref/]]></link>
			<title>New Home Page for AREF</title>
			<pubDate><![CDATA[Tue, 08 Aug 2023 18:51:25 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://arefseniors.org/team/alyson-parker-executive-director/]]></guid>
			<link><![CDATA[https://arefseniors.org/team/alyson-parker-executive-director/]]></link>
			<title>Alyson Parker, Executive Director Advocacy Relations</title>
			<pubDate><![CDATA[Thu, 27 Jan 2022 19:28:00 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://arefseniors.org/jone-doe-sales-agent/]]></guid>
			<link><![CDATA[https://arefseniors.org/jone-doe-sales-agent/]]></link>
			<title>Use AmazonSmile When Shopping on Amazon to Support AREF</title>
			<pubDate><![CDATA[Thu, 27 Jan 2022 17:16:24 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://arefseniors.org/nrln-white-papers-kfi-paper-alt/]]></guid>
			<link><![CDATA[https://arefseniors.org/nrln-white-papers-kfi-paper-alt/]]></link>
			<title>White Papers | kfi-documents-alt</title>
			<pubDate><![CDATA[Thu, 27 Jan 2022 16:55:23 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://arefseniors.org/aref-appeal-letter/]]></guid>
			<link><![CDATA[https://arefseniors.org/aref-appeal-letter/]]></link>
			<title>AREF Appeal Letter | kfi-quotations-alt</title>
			<pubDate><![CDATA[Thu, 27 Jan 2022 16:54:05 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://arefseniors.org/our-services/]]></guid>
			<link><![CDATA[https://arefseniors.org/our-services/]]></link>
			<title>Our Mission</title>
			<pubDate><![CDATA[Thu, 27 Jan 2022 16:29:11 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://arefseniors.org/donations/]]></guid>
			<link><![CDATA[https://arefseniors.org/donations/]]></link>
			<title>Donate by Check</title>
			<pubDate><![CDATA[Thu, 20 Nov 2025 18:12:25 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://arefseniors.org/about-the-aref/]]></guid>
			<link><![CDATA[https://arefseniors.org/about-the-aref/]]></link>
			<title>About the AREF | kfi-ribbon-alt</title>
			<pubDate><![CDATA[Thu, 18 Nov 2021 00:45:04 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://arefseniors.org/aref-white-papers/]]></guid>
			<link><![CDATA[https://arefseniors.org/aref-white-papers/]]></link>
			<title>AREF White Papers</title>
			<pubDate><![CDATA[Thu, 11 Nov 2021 23:23:14 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://arefseniors.org/arefs-2016-key-actions/]]></guid>
			<link><![CDATA[https://arefseniors.org/arefs-2016-key-actions/]]></link>
			<title>AREF’s 2016 Key Actions</title>
			<pubDate><![CDATA[Thu, 11 Nov 2021 20:04:36 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://arefseniors.org/chairmans-message/]]></guid>
			<link><![CDATA[https://arefseniors.org/chairmans-message/]]></link>
			<title>Chairman&#8217;s Message</title>
			<pubDate><![CDATA[Thu, 11 Nov 2021 19:10:24 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://arefseniors.org/business-plan/]]></guid>
			<link><![CDATA[https://arefseniors.org/business-plan/]]></link>
			<title>Business Plan</title>
			<pubDate><![CDATA[Thu, 11 Nov 2021 18:26:11 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://arefseniors.org/cash-statement/]]></guid>
			<link><![CDATA[https://arefseniors.org/cash-statement/]]></link>
			<title>Cash Statement</title>
			<pubDate><![CDATA[Thu, 11 Nov 2021 18:26:11 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://arefseniors.org/marketing-plan/]]></guid>
			<link><![CDATA[https://arefseniors.org/marketing-plan/]]></link>
			<title>Marketing Plan</title>
			<pubDate><![CDATA[Thu, 11 Nov 2021 18:26:11 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://arefseniors.org/promoting-retirement-security/]]></guid>
			<link><![CDATA[https://arefseniors.org/promoting-retirement-security/]]></link>
			<title>Promoting Retirement Security</title>
			<pubDate><![CDATA[Sun, 14 Nov 2021 20:04:19 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://arefseniors.org/front-3/]]></guid>
			<link><![CDATA[https://arefseniors.org/front-3/]]></link>
			<title>Front</title>
			<pubDate><![CDATA[Sun, 14 Nov 2021 19:43:52 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://arefseniors.org/about-us/]]></guid>
			<link><![CDATA[https://arefseniors.org/about-us/]]></link>
			<title>About Us</title>
			<pubDate><![CDATA[Mon, 31 Jan 2022 18:16:11 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://arefseniors.org/credit-card-or-paypal/]]></guid>
			<link><![CDATA[https://arefseniors.org/credit-card-or-paypal/]]></link>
			<title>Credit Card or PayPal</title>
			<pubDate><![CDATA[Mon, 11 Nov 2024 16:35:23 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://arefseniors.org/front/]]></guid>
			<link><![CDATA[https://arefseniors.org/front/]]></link>
			<title>Front</title>
			<pubDate><![CDATA[Mon, 08 Nov 2021 14:11:17 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://arefseniors.org/donate-by-ira-or-investment-account/]]></guid>
			<link><![CDATA[https://arefseniors.org/donate-by-ira-or-investment-account/]]></link>
			<title>Donate by IRA or Investment Account</title>
			<pubDate><![CDATA[Fri, 22 Nov 2024 13:18:11 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://arefseniors.org/aref-mission/]]></guid>
			<link><![CDATA[https://arefseniors.org/aref-mission/]]></link>
			<title>AREF Mission</title>
			<pubDate><![CDATA[Fri, 22 Nov 2024 12:33:52 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://arefseniors.org/irs-deductibility-status/]]></guid>
			<link><![CDATA[https://arefseniors.org/irs-deductibility-status/]]></link>
			<title>IRS Deductibility Status</title>
			<pubDate><![CDATA[Fri, 22 Nov 2024 12:24:54 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://arefseniors.org/team/ed-beltram-vice-president-communications/]]></guid>
			<link><![CDATA[https://arefseniors.org/team/ed-beltram-vice-president-communications/]]></link>
			<title>Ed Beltram, Vice President – Communications</title>
			<pubDate><![CDATA[Fri, 18 Feb 2022 20:59:54 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://arefseniors.org/team/bill-kadereit-chairman-and-president/]]></guid>
			<link><![CDATA[https://arefseniors.org/team/bill-kadereit-chairman-and-president/]]></link>
			<title>Bill Kadereit, Chairman and President</title>
			<pubDate><![CDATA[Fri, 18 Feb 2022 20:58:11 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://arefseniors.org/team/2134/]]></guid>
			<link><![CDATA[https://arefseniors.org/team/2134/]]></link>
			<title>Joe Sciulli, Vice President &#8211; Data Research</title>
			<pubDate><![CDATA[Fri, 18 Feb 2022 20:53:37 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://arefseniors.org/team/janet-seefried-secretary-treasurer/]]></guid>
			<link><![CDATA[https://arefseniors.org/team/janet-seefried-secretary-treasurer/]]></link>
			<title>Janet Seefried, Secretary–Treasurer</title>
			<pubDate><![CDATA[Fri, 18 Feb 2022 20:52:45 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://arefseniors.org/arefs-2021-key-actions/]]></guid>
			<link><![CDATA[https://arefseniors.org/arefs-2021-key-actions/]]></link>
			<title>AREF&#8217;s 2021 Key Actions</title>
			<pubDate><![CDATA[Fri, 18 Feb 2022 16:51:55 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://arefseniors.org/arefs-2016-key-actions/]]></guid>
			<link><![CDATA[https://arefseniors.org/arefs-2016-key-actions/]]></link>
			<title>AREF’s 2021 Key Actions</title>
			<pubDate><![CDATA[Fri, 18 Feb 2022 15:20:59 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://arefseniors.org/donate-from-ira-or-other-investments/]]></guid>
			<link><![CDATA[https://arefseniors.org/donate-from-ira-or-other-investments/]]></link>
			<title>Donate from IRA or Other Investments</title>
			<pubDate><![CDATA[Fri, 08 Nov 2024 14:01:44 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://arefseniors.org/contact-us/]]></guid>
			<link><![CDATA[https://arefseniors.org/contact-us/]]></link>
			<title>Contact Us</title>
			<pubDate><![CDATA[Fri, 03 Apr 2026 15:00:52 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://arefseniors.org/irs-letter-of-determination/]]></guid>
			<link><![CDATA[https://arefseniors.org/irs-letter-of-determination/]]></link>
			<title>IRS Letter of Determination</title>
			<pubDate><![CDATA[Fri, 03 Apr 2026 14:59:02 +0000]]></pubDate>
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