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      <image:caption>Simonne Gnessen Founder of Wise Monkey Financial Coaching</image:caption>
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      <image:title>Episodes - Episode 34: Jason Mountjoy</image:title>
      <image:caption>Jason Mountjoy Financial Planning Coach &amp; Clarity Wealth Management</image:caption>
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      <image:title>Episodes - Episode 33: Steven Rowe</image:title>
      <image:caption>Steven Rowe Director at Lucent Financial Planning &amp; Independent Financial Planner</image:caption>
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      <image:title>Episodes - Episode 32: Chris Hayes</image:title>
      <image:caption>Chris Hayes Joint Author of The Passive Revolution</image:caption>
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      <image:caption>Carl Richards Creator of The Behaviour Gap</image:caption>
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      <image:caption>George Kinder The Kinder Institute</image:caption>
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      <image:caption>Brett Davidson Founder &amp; CEO of FP Advance</image:caption>
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    <lastmod>2023-04-06</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5fc4e7e91c8c7413144ba043/56099395-7763-4020-8ce0-b23c601189ef/Screenshot+2022-02-22+145415.png</image:loc>
      <image:title>Episodes - Episode 28: Heather Hopkins</image:title>
      <image:caption>Heather Hopkins Founder &amp; Managing Director of NextWealth</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.retirementals.co.uk/episodes/episode-27-brian-hill</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-04-06</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fc4e7e91c8c7413144ba043/b6893af1-8a98-4e81-ae4a-8cb66579d9fb/Brian-Hill.jpg</image:loc>
      <image:title>Episodes - Episode 27: Brian Hill</image:title>
      <image:caption>Brian Hill, exIFA DipFA PTS Head of Acquisitions at City&amp;Capital</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.retirementals.co.uk/episodes/episode-26-tina-weeks</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-04-06</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fc4e7e91c8c7413144ba043/74367ef9-cf15-43d1-a0e0-5250a9fe6bff/SFP_JC_2803_5130+%281%29.jpeg</image:loc>
      <image:title>Episodes - Episode 26: Tina Weeks</image:title>
      <image:caption>Tina Weeks CFP™ Managing Director &amp; Financial Life Planner, Serenity Financial Planning</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.retirementals.co.uk/episodes/episode-25-robin-wigglesworth</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-04-06</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fc4e7e91c8c7413144ba043/4cd47102-5f98-4986-8e2c-8407a87d72cb/robin_wigglesworth_photo_charlotte_sverdrup-002.jpg</image:loc>
      <image:title>Episodes - Episode 25: Robin Wigglesworth</image:title>
      <image:caption>Robin Wigglesworth Financial Times' global finance correspondent based in Oslo, Norway.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.retirementals.co.uk/episodes/episode-24-catherine-williams</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-04-06</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fc4e7e91c8c7413144ba043/f8a4b140-37d3-45dc-8e94-ba4ce7e2fb2d/1622218071108.jpg</image:loc>
      <image:title>Episodes - Episode 24: Catherine Williams</image:title>
      <image:caption>Catherine Williams Head of Practice Management at Dimensional Fund Advisors</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.retirementals.co.uk/episodes/episode-23-wade-pfau</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-04-06</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fc4e7e91c8c7413144ba043/1d92b0cd-a55e-4fde-ae58-f055edaac1cb/mioqum23h2jp7tc8m56bcde061._SX450_.jpg</image:loc>
      <image:title>Episodes - Episode 23: Wade Pfau</image:title>
      <image:caption>Wade Pfau, Ph.D., CFA, RICP® RICP Programme Director, Founder of Retirement Researcher &amp; RISA Profile, &amp; Author of Retirement Planning Guidebook</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.retirementals.co.uk/episodes/episode-22-matthew-pitcher</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-04-06</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fc4e7e91c8c7413144ba043/4c5690d1-5a88-4394-8ddb-82f4d2c6bd81/Ot82wwEI_400x400.png</image:loc>
      <image:title>Episodes - Episode 22: Matthew Pitcher</image:title>
      <image:caption>Matthew Pitcher Managing Partner, Altor Wealth</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.retirementals.co.uk/episodes/episode-21-michael-kitces</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-04-06</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fc4e7e91c8c7413144ba043/c0a11aa7-92bf-4390-8fd8-d48e3e689f32/michael-kitces-web.jpg</image:loc>
      <image:title>Episodes - Episode 21: Michael Kitces</image:title>
      <image:caption>Michael Kitces, MSFS, MTax, CFP Head of planning strategy for Buckingham Wealth Partners, co-founder of the XY Planning Network and publisher of Nerd’s Eye View.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.retirementals.co.uk/episodes/episode-20-david-jones</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-04-06</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fc4e7e91c8c7413144ba043/1634649285997-WL6DUQE9PBAUK4VYLVXS/david-jones.jpg</image:loc>
      <image:title>Episodes - Episode 20: David Jones</image:title>
      <image:caption>David Jones, Head of UK &amp; Ireland Advisor Group, Dimensional</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.retirementals.co.uk/episodes/episode-19-robin-powell</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-04-11</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fc4e7e91c8c7413144ba043/1633359372115-RIH5IQOJZB71QMQHHUGD/financial-intelligence.jpg</image:loc>
      <image:title>Episodes - Episode 19: Robin Powell</image:title>
      <image:caption>Robin Powell, Journalist and Content Consultant Ember Regis Group</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.retirementals.co.uk/episodes/episode-18-philippa-hann</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-04-11</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fc4e7e91c8c7413144ba043/1627915868646-S42EED7KB4Y4ZPEVNC5G/download.jpg</image:loc>
      <image:title>Episodes - Episode 18: Philippa Hann</image:title>
      <image:caption>Philippa Hann, Managing Director of Clarke Willmott LLP</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.retirementals.co.uk/episodes/episode-17-owen-walker</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-04-11</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fc4e7e91c8c7413144ba043/1629891015415-4A9AYJXUCAXOYNOF1RGI/owen.jpg</image:loc>
      <image:title>Episodes - Episode 17: Owen Walker</image:title>
      <image:caption>Owen Walker Journalist, Financial Times European banking correspondent, CPFC, &amp; author of Built on a Lie</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.retirementals.co.uk/episodes/episode-16-ola-abdul</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-04-11</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fc4e7e91c8c7413144ba043/1623152311665-96VP6ORUZNM4DXGPG5YE/E0dC1czXMAEbPhY.jpg</image:loc>
      <image:title>Episodes - Episode 16: Ola Abdul</image:title>
      <image:caption>Ola Abdul, Founder &amp; CEO of Fundment</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.retirementals.co.uk/episodes/episode-15-bella-caridade-ferreira</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-04-11</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fc4e7e91c8c7413144ba043/1624547210190-7OZJCY9JFKLLHH6U3YQV/Bella+CF.jpg</image:loc>
      <image:title>Episodes - Episode 15: Bella Caridade-Ferreira</image:title>
      <image:caption>Bella Caridade-Ferreira CEO &amp; Founder of Fundscape</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.retirementals.co.uk/episodes/episode-14-sean-hagerty</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-04-11</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fc4e7e91c8c7413144ba043/1626172373253-WPHWRLI3VJVQV45CVDXS/2e3eb574bde44401f06f987f55e82fb4_w500_h300_cp.jpg</image:loc>
      <image:title>Episodes - Episode 14: Sean Hagerty</image:title>
      <image:caption>Sean Hagerty, Managing Director of Vanguard Europe</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.retirementals.co.uk/episodes/episode-13-rowena-crawford</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-03-31</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fc4e7e91c8c7413144ba043/1625040475194-PAFBENB6VND33SHKI89Q/Rowen_+Crawford.jpg</image:loc>
      <image:title>Episodes - Episode 13: Rowena Crawford</image:title>
      <image:caption>Rowena Crawford, Associate Director at the Institute of Fiscal Studies</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.retirementals.co.uk/episodes/episode-12-david-harvey</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-04-11</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fc4e7e91c8c7413144ba043/1622733817675-A8NTS7V2OX7BY0YX9K0C/crop_0022_dave-1.jpg</image:loc>
      <image:title>Episodes - Episode 12: David Harvey</image:title>
      <image:caption>David Harvey, Founder &amp; Co-head at Seccl</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.retirementals.co.uk/episodes/episode-11-special</loc>
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    <priority>0.5</priority>
    <lastmod>2023-03-31</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fc4e7e91c8c7413144ba043/1622548140239-TVBZIGXIZNE9SDGN9XSP/justin-king.jpg</image:loc>
      <image:title>Episodes - Episode 11: BIG NEWS - Special episode - Make it stand out</image:title>
      <image:caption>Justin King IFA, CFP &amp; Managing Director at MFP Wealth</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fc4e7e91c8c7413144ba043/1620225322332-OP4TSK73MG4JBXSCXDWR/Abraham%2BOkusanya.jpg</image:loc>
      <image:title>Episodes - Episode 11: BIG NEWS - Special episode</image:title>
      <image:caption>Abraham Okusanya, CEO of Timeline</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.retirementals.co.uk/episodes/episode-10-rebecca-aldridge</loc>
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    <priority>0.5</priority>
    <lastmod>2023-03-31</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fc4e7e91c8c7413144ba043/1620659139996-ZVZKYUGZENMHPE8NW9QS/rebecca-portrait.jpg</image:loc>
      <image:title>Episodes - Episode 10: Rebecca Aldridge</image:title>
      <image:caption>Rebecca Aldridge, Founder &amp; Managing Director at Balance: Wealth Planning</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.retirementals.co.uk/episodes/episode-9-david-ferguson</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-03-31</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fc4e7e91c8c7413144ba043/1619792391553-SL6QLZ746H3REVZGGX8F/davidmediacropped.jpg</image:loc>
      <image:title>Episodes - Episode 09: David Ferguson</image:title>
      <image:caption>David Ferguson, Founder of Nucleus</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.retirementals.co.uk/episodes/episode-8-kevin-doran</loc>
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    <priority>0.5</priority>
    <lastmod>2023-03-31</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fc4e7e91c8c7413144ba043/1617280164457-A2060OYCGTMDF0LX77O6/Our-executive-people_0000__kevin-doran.jpg</image:loc>
      <image:title>Episodes - Episode 08: Kevin Doran</image:title>
      <image:caption>Kevin Doran, Managing Director of A J Bell Investments</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.retirementals.co.uk/episodes/episode-7-rory-percival</loc>
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    <priority>0.5</priority>
    <lastmod>2023-03-31</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fc4e7e91c8c7413144ba043/1617281793143-924YJ10NLDGJ76DFE108/rory-percival.jpg</image:loc>
      <image:title>Episodes - Episode 07: Rory Percival</image:title>
      <image:caption>Rory Percival, Regulatory Expert &amp; Speaker</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.retirementals.co.uk/episodes/episode-6-bill-bengen</loc>
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    <priority>0.5</priority>
    <lastmod>2023-03-31</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fc4e7e91c8c7413144ba043/1614853047477-L3Y1WPIYH9QA7VYBKDHS/Copy+of+Copy+of+Copy+of+Timeline+social+media+%2845%29.png</image:loc>
      <image:title>Episodes - Episode 06: Bill Bengen</image:title>
      <image:caption>Bill Bengen, Former owner of Bengen Financial Services</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.retirementals.co.uk/episodes/episode5-sarah-newcomb</loc>
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    <priority>0.5</priority>
    <lastmod>2023-03-31</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fc4e7e91c8c7413144ba043/1615290143719-1WVOBN7VZ7ZWYUQYB9HD/TV8I3Ysz.jpg</image:loc>
      <image:title>Episodes - Episode 05: Sarah Newcomb</image:title>
      <image:caption>Sarah Newcomb, Ph.D., behavioural economist and author.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.retirementals.co.uk/episodes/episode4-tim-horrocks-gf9px-3ks2l</loc>
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    <priority>0.5</priority>
    <lastmod>2023-03-31</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5fc4e7e91c8c7413144ba043/1613132971473-PSO6VBGQFIJJY791OSSS/financial-planner-near-me.jpg</image:loc>
      <image:title>Episodes - Episode 04: Tim Horrocks</image:title>
      <image:caption>Tim Horrocks, Founder &amp; Managing Partner at RockWealth</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.retirementals.co.uk/episodes/episode3-alan-smith-gf9px</loc>
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    <lastmod>2023-03-31</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5fc4e7e91c8c7413144ba043/1612785967192-KUZV0O0P1TMMATRWXL16/unnamed.jpg</image:loc>
      <image:title>Episodes - Episode 03: Alan Smith</image:title>
      <image:caption>Alan Smith, CCO at Capital Asset Management</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.retirementals.co.uk/episodes/episode-2-sarah-lord</loc>
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    <lastmod>2023-03-31</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5fc4e7e91c8c7413144ba043/1611653985447-RYPXECZT0UHCRBWZVLU0/Sarah+Lord+3.jpg</image:loc>
      <image:title>Episodes - Episode 02: Sarah Lord</image:title>
      <image:caption>Sarah Lord, CCO at Succession Wealth</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.retirementals.co.uk/episodes/episode-01-paul-lewis</loc>
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    <lastmod>2023-03-31</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5fc4e7e91c8c7413144ba043/1608713713502-Y4HLVHFJUZNQAP0M4UWX/Paul+Lewis+portrait+2019a+cut.jpg</image:loc>
      <image:title>Episodes - Episode 01: Paul Lewis</image:title>
      <image:caption>Paul Lewis Photo credit: Emma Lynch</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.retirementals.co.uk/episodes/category/Travel</loc>
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  <url>
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  <url>
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  <url>
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      <image:caption>Designed to help advisers communicate the risks specific to drawing income from a retirement portfolio and teach their clients how to make sure their money lasts a lifetime, this guide is full of invaluable information. With case studies included to illustrate the points made in the content, your client will relate to the information they’ve read and can easily apply it to their unique financial situations.</image:caption>
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