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      <image:caption>Watch this short video by FAM Managing Director, Darren Smith and 'Turn to Me' founders Petero Civoniceva, Isaak Ah Mau and Steven Johnson introducing the awareness campaign.</image:caption>
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      <image:caption>Financial Advice Matters’ Darren Smith and Francis Rigby with Petero Civoniceva, Isaak Ah Mau and Ashley Harrison.</image:caption>
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      <image:caption>TNS Global - AMP 2016 Financial Wellness Report</image:caption>
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      <image:loc>https://static1.squarespace.com/static/55a5c06de4b0393c96ed455e/t/55a5ebece4b021d8b8012ae0/1436937198547/open-office-meeting-988x550.jpg</image:loc>
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  <url>
    <loc>http://www.financialadvicematters.com.au/viewfromthetop</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2020-02-19</lastmod>
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      <image:title>BLOG</image:title>
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  </url>
  <url>
    <loc>http://www.financialadvicematters.com.au/viewfromthetop/2016/6/28/the-only-way-i-am-leaving-my-home-is</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2016-08-08</lastmod>
  </url>
  <url>
    <loc>http://www.financialadvicematters.com.au/viewfromthetop/2016/8/7/new-aged-care-provider-fees-to-further-muddy-the-water</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2016-09-19</lastmod>
  </url>
  <url>
    <loc>http://www.financialadvicematters.com.au/viewfromthetop/2016/9/26/good-intent-possibly-doing-more-harm-than-good</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2016-09-27</lastmod>
  </url>
  <url>
    <loc>http://www.financialadvicematters.com.au/viewfromthetop/2016/11/20/will-the-upcoming-asset-test-changes-topple-your-retirement-plans</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2016-11-23</lastmod>
    <image:image>
      <image:loc>https://static1.squarespace.com/static/55a5c06de4b0393c96ed455e/t/5832595fcd0f68271095c275/1479695538861/Asset+test+changes+for+centrelink+pension</image:loc>
      <image:title>BLOG - Will the upcoming Asset Test changes topple your retirement plans?</image:title>
      <image:caption>Please note that Asset values may be slightly higher if paid Rent assistance, or slightly lower if outside Australia.</image:caption>
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  <url>
    <loc>http://www.financialadvicematters.com.au/viewfromthetop/2016/12/18/somewhere-on-the-north-coast</loc>
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    <priority>0.5</priority>
    <lastmod>2016-12-21</lastmod>
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      <image:title>BLOG - Somewhere on the North Coast</image:title>
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  <url>
    <loc>http://www.financialadvicematters.com.au/viewfromthetop/2017/1/12/aligning-age-pension-and-aged-care-means-testing</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-02-01</lastmod>
    <image:image>
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      <image:title>BLOG - Aligning age pension and aged care means testing</image:title>
      <image:caption>Ref: Challenger Tech, November 2016. Aligning Age Pension and aged care means testing. 1 Rates and thresholds as at 20 September 2016. 2 Rates and thresholds as at 1 January 2017. 3 Assumes interest of 2.5% p.a. 4 Aged care rates and thresholds as at 20 September 2016. 5 Maximum permissible interest rate of 5.76%. 6 Estimated tax incorporating SAPTO and net medical tax offset.</image:caption>
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  </url>
  <url>
    <loc>http://www.financialadvicematters.com.au/viewfromthetop/2017/2/7/my-wedding-what-did-i-learn</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-02-10</lastmod>
    <image:image>
      <image:loc>https://static1.squarespace.com/static/55a5c06de4b0393c96ed455e/t/589d127ed482e9ffb14ccd40/1486688928880/</image:loc>
      <image:title>BLOG - My wedding... What did I learn? Part 1</image:title>
      <image:caption>One of my favourite photos of Pat and I on our wedding day.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://static1.squarespace.com/static/55a5c06de4b0393c96ed455e/t/589d1173d482e9ffb14cbf13/1486688682215/</image:loc>
      <image:title>BLOG - My wedding... What did I learn? Part 1</image:title>
      <image:caption>Making sure the 'right shade of grey' was used for our wedding napkins.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>http://www.financialadvicematters.com.au/viewfromthetop/2017/2/9/my-wedding-what-did-i-learn-part-2</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-02-17</lastmod>
    <image:image>
      <image:loc>https://static1.squarespace.com/static/55a5c06de4b0393c96ed455e/t/589d14df1b10e3c041dc9183/1486689609002/</image:loc>
      <image:title>BLOG - My wedding... what did I learn? Part 2</image:title>
      <image:caption>This photo of my bouquet has my grandma’s earring who has passed away and my mum’s original wedding ring so they were together and with me walking down the aisle. These precious family inclusions also formed part of my 'something borrowed, old and blue'.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://static1.squarespace.com/static/55a5c06de4b0393c96ed455e/t/589d135b46c3c44e76b50b50/1486689122315/</image:loc>
      <image:title>BLOG - My wedding... what did I learn? Part 2</image:title>
      <image:caption>My dad and I – I love this photo as we both look so genuinely happy.. it is such a beautiful memory for me.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>http://www.financialadvicematters.com.au/viewfromthetop/2017/3/13/the-gift-of-choice-in-retirement</loc>
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    <priority>0.5</priority>
    <lastmod>2017-03-14</lastmod>
  </url>
  <url>
    <loc>http://www.financialadvicematters.com.au/viewfromthetop/2017/4/10/what-is-the-value-of-my-advice</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-04-11</lastmod>
  </url>
  <url>
    <loc>http://www.financialadvicematters.com.au/viewfromthetop/homecare</loc>
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    <priority>0.5</priority>
    <lastmod>2017-06-28</lastmod>
  </url>
  <url>
    <loc>http://www.financialadvicematters.com.au/viewfromthetop/customerexperience</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-08-23</lastmod>
  </url>
  <url>
    <loc>http://www.financialadvicematters.com.au/viewfromthetop/palliativecare</loc>
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    <priority>0.5</priority>
    <lastmod>2017-11-29</lastmod>
  </url>
  <url>
    <loc>http://www.financialadvicematters.com.au/viewfromthetop/votewithyourfeet</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-01-22</lastmod>
  </url>
  <url>
    <loc>http://www.financialadvicematters.com.au/viewfromthetop/2018/2/27/whats-the-real-value-in-seeking-mortgage-broking-advice-let-me-tell-you-its-so-much-more-than-just-the-numbers</loc>
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    <priority>0.5</priority>
    <lastmod>2018-02-28</lastmod>
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  <url>
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