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      <image:caption>S&amp;P 500 SPIDER ETF 5/22/2017 to 8/18/2017 from Morningstar.com</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/572ff08b044262a7f8c2405e/1503263927177-58KE7I352V5AGSRJWLM0/S%26P-1-year</image:loc>
      <image:title>Purposeful.Finance - These 4 Charts Will Tell You Everything About the Stock Market's Recent Decline</image:title>
      <image:caption>S&amp;P 500 SPIDER ETF 8/22/2016 to 8/18/2017 from Morningstar.com</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/572ff08b044262a7f8c2405e/1503264040829-IZOEJLYQJ884DI7X7ELH/S%26P-25-Year</image:loc>
      <image:title>Purposeful.Finance - These 4 Charts Will Tell You Everything About the Stock Market's Recent Decline</image:title>
      <image:caption>S&amp;P 500 SPIDER ETF 1/22/1993 to 8/18/2017 from Morningstar.com</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/572ff08b044262a7f8c2405e/1508989037247-YQLFQPV902OSSERVS9T8/Joshua+Escalante+Troesh.jpg</image:loc>
      <image:title>Purposeful.Finance - These 4 Charts Will Tell You Everything About the Stock Market's Recent Decline</image:title>
    </image:image>
  </url>
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      <image:title>Purposeful.Finance - YOUR ESTATE PLAN NEEDS ONGOING MAINTENANCE</image:title>
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  <url>
    <loc>https://www.purposefulfinance.org/home/Articles/2017/the-difference-between-copays-and-coinsurance</loc>
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    <lastmod>2017-10-26</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/572ff08b044262a7f8c2405e/1508989267969-0CHDACZ7Q8XO984WGIAM/Joshua+Escalante+Troesh.jpg</image:loc>
      <image:title>Purposeful.Finance - The Difference Between Copays and Coinsurance</image:title>
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  <url>
    <loc>https://www.purposefulfinance.org/home/Articles/2017/is-your-financial-adviser-invested-with-bice</loc>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/572ff08b044262a7f8c2405e/1508989356484-6RCC32UFVKWW7QUYG5BB/Joshua+Escalante+Troesh.jpg</image:loc>
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    <loc>https://www.purposefulfinance.org/home/Articles/2017/do-you-know-how-your-advisors-is-licensed</loc>
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  <url>
    <loc>https://www.purposefulfinance.org/home/Articles/2017/how-much-insurance-is-enough</loc>
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      <image:title>Purposeful.Finance - How Much Life Insurance Is Enough</image:title>
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  <url>
    <loc>https://www.purposefulfinance.org/home/Articles/2017/the-largest-risk-to-your-investment-portfolio-isnt-a-market-crash</loc>
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      <image:title>Purposeful.Finance - What the UK Snap Election Means For Your Investments</image:title>
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    <loc>https://www.purposefulfinance.org/home/Articles/2017/your-defense-against-a-bear-market</loc>
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    <lastmod>2019-01-21</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/572ff08b044262a7f8c2405e/1496204355304-941J2PL6DQKLU4XFLOGA/Stocks-Post-Bear</image:loc>
      <image:title>Purposeful.Finance - Your Defense Against a Bear Market</image:title>
      <image:caption>S&amp;P 500 Index and the Bear Market (Before, During, and Since)</image:caption>
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      <image:title>Purposeful.Finance - Your Defense Against a Bear Market</image:title>
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    <loc>https://www.purposefulfinance.org/home/Articles/2017/the-case-for-gold-is-actually-a-case-against-gold</loc>
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    <lastmod>2020-09-30</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/572ff08b044262a7f8c2405e/1495375461011-9IJQCEXOP0NBCJEY3WIM/gold-price-history</image:loc>
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      <image:caption>During recessions (the grey bars) gold prices (blue line) are more likely to drop in price than go up. Gold does tend to increase in value, but it is more likely to happen during good times than in bad. As a result, gold makes a poor hedge against a recession.</image:caption>
    </image:image>
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      <image:title>Purposeful.Finance - The Case For Gold is Actually A Case Against Gold</image:title>
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    <loc>https://www.purposefulfinance.org/home/Articles/2017/trump-tax-plan-the-good-the-bad-and-what-it-means-for-you</loc>
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    <loc>https://www.purposefulfinance.org/home/Articles/2017/maximize-your-tax-deductions</loc>
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      <image:caption>Brexit is the term coined for the UK leaving the EU. The vote, however, is just the beginning.</image:caption>
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      <image:title>Workplace Financial Literacy and Financial Wellness - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Workplace Financial Literacy and Financial Wellness - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <loc>https://www.purposefulfinance.org/financial-wellness-programs</loc>
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    <lastmod>2019-03-11</lastmod>
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      <image:title>Financial Wellness Programs - Financial Literacy</image:title>
      <image:caption>Education Only No hidden commissioned product sales</image:caption>
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      <image:caption>Education Only No hidden commissioned product sales</image:caption>
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      <image:caption>The Business Case An ROI demonstrated by research</image:caption>
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      <image:title>Financial Wellness Programs</image:title>
      <image:caption>Financial Health Improve financial wellness &amp; stability</image:caption>
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      <image:title>Launch Your Finances: Guidance on Budgeting, Managing Debt,  &amp; Saving - Build Savings</image:title>
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      <image:title>Launch Your Finances: Guidance on Budgeting, Managing Debt,  &amp; Saving - Take Control</image:title>
      <image:caption>Feel in control of your finances regardless of what life throws at you</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/572ff08b044262a7f8c2405e/1498005568730-35D7IAO31732AKQS8UW9/linval-ebanks-5829.jpg</image:loc>
      <image:title>Services - Retirement Planning</image:title>
      <image:caption>Retirement Planning Now is the time to plan for your 30-year vacation</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/572ff08b044262a7f8c2405e/1545196731780-MWHMB2LPQ2F7R05XVRFD/barby-dalbosco-20629.jpg</image:loc>
      <image:title>Services - Copy of Saving &amp; Investment</image:title>
      <image:caption>Saving &amp; Investing The purpose of a financial plan is to achieve your life goals, not to make more money</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/572ff08b044262a7f8c2405e/1545196768339-SGODDLFBSGE5WENBWKE2/fre-sonneveld-28484.jpg</image:loc>
      <image:title>Services - Copy of Manage Debt</image:title>
      <image:caption>Managing Debt Nothing has the ability to build wealth and destroy it quite like debt</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.purposefulfinance.org/-purpose-plans</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2018-08-13</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/572ff08b044262a7f8c2405e/1545196837800-11ZV9E2YMX3ZG3RCP7J6/anthony-delanoix-8640.jpg</image:loc>
      <image:title>&gt; Purpose Plans - Career Development</image:title>
      <image:caption>Career Mentoring Your career should build both financial and emotional wealth</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/572ff08b044262a7f8c2405e/1498005553244-0VM85NR4XOJAVF8DJ3NQ/vincenzo-di-giorgi-6549.jpg</image:loc>
      <image:title>&gt; Purpose Plans - Insurance &amp; Risk Management</image:title>
      <image:caption>Insurance &amp; Risk The biggest risk to your wealth isn't a market crash, it's a lawsuit</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/572ff08b044262a7f8c2405e/1498005558970-H3SRQ2YT1IFI5DXQGRGA/brandon-mowinkel-211936.jpg</image:loc>
      <image:title>&gt; Purpose Plans - Tax Planning</image:title>
      <image:caption>Tax Planning The only guaranteed destroyer of wealth is taxes</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/572ff08b044262a7f8c2405e/1498005599266-XSKK4HNC4XAV3YLIEV62/london-scout-41030.jpg</image:loc>
      <image:title>&gt; Purpose Plans - Estate Planning</image:title>
      <image:caption>Estate Planning Take control of how your family will be cared for if you weren't there</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/572ff08b044262a7f8c2405e/1498005568730-35D7IAO31732AKQS8UW9/linval-ebanks-5829.jpg</image:loc>
      <image:title>&gt; Purpose Plans - Retirement Planning</image:title>
      <image:caption>Retirement Planning Now is the time to plan for your 30-year vacation</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/572ff08b044262a7f8c2405e/1545196731780-MWHMB2LPQ2F7R05XVRFD/barby-dalbosco-20629.jpg</image:loc>
      <image:title>&gt; Purpose Plans - Saving &amp; Investment</image:title>
      <image:caption>Saving &amp; Investing The purpose of a financial plan is to achieve your life goals, not to make more money</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/572ff08b044262a7f8c2405e/1545196768339-SGODDLFBSGE5WENBWKE2/fre-sonneveld-28484.jpg</image:loc>
      <image:title>&gt; Purpose Plans - Manage Debt</image:title>
      <image:caption>Managing Debt Nothing has the ability to build wealth and destroy it quite like debt</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/572ff08b044262a7f8c2405e/1510670655377-PG4BTEPS3UZIVLT9LS6N/piggy-2889046_1920.jpg</image:loc>
      <image:title>&gt; Purpose Plans - Cash Management &amp; Budgeting</image:title>
      <image:caption>Cash Management A budget should be driven by the lifestyle you want–now &amp; in the future</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/572ff08b044262a7f8c2405e/1510670761814-T2NEV2ZNXYV2ELIPOS8N/piggy-bank-661969_1920.jpg</image:loc>
      <image:title>&gt; Purpose Plans - Cash Management &amp; Budgeting</image:title>
      <image:caption>Cash Management A budget should be driven by the lifestyle you want–now &amp; in the future</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/572ff08b044262a7f8c2405e/1510670768202-I7V1RPC2I1BZOFNGGPHN/piggy-bank-1199762_1920.jpg</image:loc>
      <image:title>&gt; Purpose Plans - Cash Management &amp; Budgeting</image:title>
      <image:caption>Cash Management A budget should be driven by the lifestyle you want–now &amp; in the future</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.purposefulfinance.org/-ongoing-coaching</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2018-08-13</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/572ff08b044262a7f8c2405e/1498005497848-XVW9127UW2750C07GTO9/piggy-banks-1304674_960_720.jpg</image:loc>
      <image:title>&gt; Ongoing Coaching - Cash Management &amp; Budgeting</image:title>
      <image:caption>Cash Management A budget should be driven by the lifestyle you want–now &amp; in the future</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/572ff08b044262a7f8c2405e/1545196837800-11ZV9E2YMX3ZG3RCP7J6/anthony-delanoix-8640.jpg</image:loc>
      <image:title>&gt; Ongoing Coaching - Career Development</image:title>
      <image:caption>Career Mentoring Your career should build both financial and emotional wealth</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/572ff08b044262a7f8c2405e/1498005553244-0VM85NR4XOJAVF8DJ3NQ/vincenzo-di-giorgi-6549.jpg</image:loc>
      <image:title>&gt; Ongoing Coaching - Insurance &amp; Risk Management</image:title>
      <image:caption>Insurance &amp; Risk The biggest risk to your wealth isn't a market crash, it's a lawsuit</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/572ff08b044262a7f8c2405e/1498005558970-H3SRQ2YT1IFI5DXQGRGA/brandon-mowinkel-211936.jpg</image:loc>
      <image:title>&gt; Ongoing Coaching - Tax Planning</image:title>
      <image:caption>Tax Planning The only guaranteed destroyer of wealth is taxes</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/572ff08b044262a7f8c2405e/1498005599266-XSKK4HNC4XAV3YLIEV62/london-scout-41030.jpg</image:loc>
      <image:title>&gt; Ongoing Coaching - Estate Planning</image:title>
      <image:caption>Estate Planning Take control of how your family will be cared for if you weren't there</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/572ff08b044262a7f8c2405e/1498005568730-35D7IAO31732AKQS8UW9/linval-ebanks-5829.jpg</image:loc>
      <image:title>&gt; Ongoing Coaching - Retirement Planning</image:title>
      <image:caption>Retirement Planning Now is the time to plan for your 30-year vacation</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/572ff08b044262a7f8c2405e/1545196731780-MWHMB2LPQ2F7R05XVRFD/barby-dalbosco-20629.jpg</image:loc>
      <image:title>&gt; Ongoing Coaching - Saving &amp; Investment</image:title>
      <image:caption>Saving &amp; Investing The purpose of a financial plan is to achieve your life goals, not to make more money</image:caption>
    </image:image>
    <image:image>
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      <image:title>&gt; Ongoing Coaching - Manage Debt</image:title>
      <image:caption>Managing Debt Nothing has the ability to build wealth and destroy it quite like debt</image:caption>
    </image:image>
  </url>
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    <loc>https://www.purposefulfinance.org/financial-planning</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-07-31</lastmod>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Financial Planning and Financial Advisor Services - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <loc>https://www.purposefulfinance.org/equifax-databreach</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2017-09-08</lastmod>
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    <lastmod>2019-12-14</lastmod>
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    <priority>0.75</priority>
    <lastmod>2022-08-10</lastmod>
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    <changefreq>daily</changefreq>
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    <priority>0.75</priority>
    <lastmod>2024-02-18</lastmod>
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    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-05-08</lastmod>
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    <priority>0.75</priority>
    <lastmod>2026-01-27</lastmod>
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    <lastmod>2026-01-25</lastmod>
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