<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9" xmlns:xhtml="http://www.w3.org/1999/xhtml">
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/scottish-widows-finds-retirement-expectations-higher-but-savings-lower</loc>
    <lastmod>2013-06-03T08:55:54+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/iain-tait-appointed-to-james-hay-board-of-directors</loc>
    <lastmod>2013-06-03T09:30:15+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/paul-resnik-hosts-workshops-on-portfolio-construction</loc>
    <lastmod>2013-06-03T10:16:48+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/auto-enrolment-rates-need-to-increase-to-help-younger-employees</loc>
    <lastmod>2013-06-03T14:29:10+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/recession-impact-spreading-from-the-better-off-to-the-poor</loc>
    <lastmod>2013-06-04T09:46:18+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/fca-to-ban-retail-promotion-of-ucis-and-certain-close-substitutes</loc>
    <lastmod>2013-06-04T11:05:22+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/aic-welcomes-exclusion-of-vcts-from-fca-s-ucis-ban</loc>
    <lastmod>2013-06-04T15:58:34+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/royal-london-adds-2m-new-customers-with-co-op-life-purchase</loc>
    <lastmod>2013-06-04T16:10:43+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/cfp-professionals-gather-for-exclusive-ifp-conference</loc>
    <lastmod>2013-06-05T08:25:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/self-employed-missing-out-on-91-512-in-pension-contributions</loc>
    <lastmod>2013-06-05T09:16:12+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/londoners-see-48-per-cent-income-drop-in-retirement</loc>
    <lastmod>2013-06-05T09:33:26+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/sesame-fined-6m-by-financial-conduct-authority</loc>
    <lastmod>2013-06-05T10:03:21+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/alice-schroeder-appointed-as-non-exec-director-at-prudential</loc>
    <lastmod>2013-06-06T08:38:40+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/judges-announced-for-ifp-accredited-firms-award</loc>
    <lastmod>2013-06-06T09:32:14+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/no-change-to-rates-at-mervyn-king-s-last-mpc-meeting</loc>
    <lastmod>2013-06-06T11:16:23+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/clients-seeking-holistic-experience-from-wealth-management-firms</loc>
    <lastmod>2013-06-06T11:21:48+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/nick-prettejohn-resigns-from-l-g-board-for-role-at-the-pra</loc>
    <lastmod>2013-06-07T08:36:28+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/consumers-unaware-of-stagnant-interest-rate-levels</loc>
    <lastmod>2013-06-07T09:41:42+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/clients-trusting-of-their-own-adviser-but-distrusting-of-industry</loc>
    <lastmod>2013-06-07T09:46:10+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/new-paraplanning-technology-for-devere-group</loc>
    <lastmod>2013-06-10T08:37:36+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/households-report-increased-ability-to-save</loc>
    <lastmod>2013-06-10T10:02:13+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/financial-planners-attend-global-mdrt-conference</loc>
    <lastmod>2013-06-10T10:05:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/new-charging-option-available-on-architas-passive-fund-range</loc>
    <lastmod>2013-06-10T10:36:08+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/ifp-rebrands-its-logo-for-post-rdr-world</loc>
    <lastmod>2013-06-10T13:38:04+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/ifp-fellows-day-to-be-held-next-tuesday-18-june</loc>
    <lastmod>2013-06-11T09:24:24+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/increased-financial-salaries-expected-as-banks-offset-bonus-cap</loc>
    <lastmod>2013-06-11T09:27:27+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/ns-i-reduces-rates-on-some-savings-products</loc>
    <lastmod>2013-06-11T10:07:48+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/major-changes-to-hornbuckle-mitchell-management-team</loc>
    <lastmod>2013-06-11T15:42:07+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/former-operations-head-returns-for-new-role-at-pointon-york</loc>
    <lastmod>2013-06-12T08:49:51+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/thinktank-forecasts-gdp-growth-of-0-6-per-cent</loc>
    <lastmod>2013-06-12T08:53:44+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/retirement-becoming-a-part-time-pursuit-for-many-workers</loc>
    <lastmod>2013-06-12T09:30:29+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/rbs-chief-executive-stephen-hester-to-leave-in-december</loc>
    <lastmod>2013-06-12T16:35:53+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/lloyds-senior-executives-to-appear-before-treasury-select-committee</loc>
    <lastmod>2013-06-13T08:25:07+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/sesame-promotes-operations-director-to-chief-risk-officer</loc>
    <lastmod>2013-06-14T08:34:37+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/lebc-launches-guide-to-help-with-care-fees-planning</loc>
    <lastmod>2013-06-14T08:38:20+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/accommodation-sell-out-for-ifp-annual-conference</loc>
    <lastmod>2013-06-14T10:05:45+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/paul-tucker-resigns-from-bank-of-england-for-academia</loc>
    <lastmod>2013-06-14T11:28:12+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/fidelity-s-anthony-bolton-to-retire-in-april-2014</loc>
    <lastmod>2013-06-17T08:37:44+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/royal-london-to-launch-d2c-proposition-in-2014</loc>
    <lastmod>2013-06-17T09:42:03+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/adviser-charging-available-on-aviva-investment-bonds</loc>
    <lastmod>2013-06-17T09:47:39+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/overseas-born-businesspeople-represent-half-of-uk-s-wealthiest</loc>
    <lastmod>2013-06-17T09:55:54+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/pensions-bill-gets-second-reading-in-house-of-commons</loc>
    <lastmod>2013-06-17T11:31:00+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/ifp-fellows-meeting-today-for-exclusive-conference</loc>
    <lastmod>2013-06-18T08:53:49+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/public-underestimating-cost-of-long-term-care</loc>
    <lastmod>2013-06-18T08:58:22+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/cpi-inflation-increases-to-2-7-per-cent-in-may</loc>
    <lastmod>2013-06-18T09:49:59+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/etf-securities-launches-guide-to-help-consumers-understand-etfs</loc>
    <lastmod>2013-06-18T09:51:55+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/liberty-sipp-warns-investors-could-be-hit-by-reduced-lifetime-allowance</loc>
    <lastmod>2013-06-18T10:59:55+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/divorcees-miss-out-on-2-600-annually-in-retirement-income</loc>
    <lastmod>2013-06-19T09:22:12+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/banking-report-regulators-need-more-power-to-identify-problems</loc>
    <lastmod>2013-06-19T09:25:58+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/key-retirement-acquired-for-35m-by-phoenix-equity-partners</loc>
    <lastmod>2013-06-19T10:15:05+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/fca-issues-largest-ever-sole-trader-fine-of-almost-1m</loc>
    <lastmod>2013-06-19T10:40:13+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/new-website-launched-to-help-consumers-seeking-online-advice</loc>
    <lastmod>2013-06-20T08:34:40+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/mervyn-king-warns-return-to-high-interest-rates-could-damage-financial-stability</loc>
    <lastmod>2013-06-20T10:14:00+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/global-hnwi-population-reaches-record-high-of-12m-people</loc>
    <lastmod>2013-06-20T10:19:27+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/talbot-muir-to-launch-low-cost-sipp-as-it-expands-range</loc>
    <lastmod>2013-06-20T11:30:13+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/derek-mills-financial-planners-should-set-daily-standards</loc>
    <lastmod>2013-06-21T08:33:01+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/new-course-on-client-connections-tested-by-ifp</loc>
    <lastmod>2013-06-21T09:39:25+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/unconference-to-be-held-for-paraplanners-in-september</loc>
    <lastmod>2013-06-21T09:46:14+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/one-week-left-for-accredited-firms-award-entries</loc>
    <lastmod>2013-06-24T09:13:29+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/tisa-to-help-firms-reduce-lost-customers-and-unclaimed-assets</loc>
    <lastmod>2013-06-24T10:23:52+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/planner-sets-up-technology-help-site-advisertech</loc>
    <lastmod>2013-06-24T10:26:58+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/financial-planner-staff-now-tweeting-individually</loc>
    <lastmod>2013-06-24T10:47:42+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/advisers-seeking-to-increase-use-of-managed-solutions-post-rdr</loc>
    <lastmod>2013-06-25T08:54:52+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/over-2-500-clean-share-classes-now-on-elevate-platform</loc>
    <lastmod>2013-06-25T08:58:19+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/insight-analysis/cover-feature-investment-best-practice-1</loc>
    <lastmod>2013-06-25T10:20:05+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/insight-analysis/real-life-case-study-julie-lord-of-bluefin</loc>
    <lastmod>2013-06-25T10:24:25+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/insight-analysis/technical-update-ethics-and-financial-planning</loc>
    <lastmod>2013-06-25T10:35:29+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/insight-analysis/my-business-james-harvey-of-james-harvey-associates</loc>
    <lastmod>2013-06-25T10:43:39+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/insight-analysis/news-analysis-post-rdr-survey</loc>
    <lastmod>2013-06-25T10:30:40+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/ifp-member-news/ifp-corporate-member-profile-m-g</loc>
    <lastmod>2013-06-25T11:16:30+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/ifp-member-news/ifp-corporate-member-profile-novia</loc>
    <lastmod>2013-06-25T11:19:29+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/ifp-member-news/huge-variety-at-this-year-s-ifp-annual-conference</loc>
    <lastmod>2013-06-25T11:22:19+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/ifp-member-news/record-attendance-at-south-west-branch</loc>
    <lastmod>2013-06-25T11:24:51+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/ifp-member-news/scotland-branch-members-welcome-expert-speakers-to-share-their-insight</loc>
    <lastmod>2013-06-25T11:28:34+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/ifp-member-news/ifp-branch-chairman-elections-2013</loc>
    <lastmod>2013-06-25T11:31:22+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/ifp-member-news/fpsb-survey-finds-cfp-certification-boosts-income</loc>
    <lastmod>2013-06-25T11:34:38+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/new-daily-website-launched-for-sipp-professionals</loc>
    <lastmod>2013-06-25T13:30:04+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/evalue-helps-advisers-demonstrate-impact-of-death-to-clients</loc>
    <lastmod>2013-06-26T10:11:02+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/financial-education-to-help-the-uk-economy-long-term</loc>
    <lastmod>2013-06-27T09:05:19+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/mattioli-woods-appointed-to-run-hd-sipp</loc>
    <lastmod>2013-06-27T09:07:02+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/advisers-unconcerned-by-capital-adequacy-requirements-for-sipp-providers</loc>
    <lastmod>2013-06-27T09:11:04+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/uk-rated-as-top-three-private-banking-and-wealth-management-hub</loc>
    <lastmod>2013-06-27T11:33:43+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/extra-sessions-added-for-integrated-financial-planning-programme</loc>
    <lastmod>2013-06-28T09:06:46+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/new-bank-of-england-governor-takes-over-role-on-monday</loc>
    <lastmod>2013-06-28T09:57:33+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/financial-planning-to-benefit-significantly-from-rdr</loc>
    <lastmod>2013-06-28T09:59:52+00:00</lastmod>
  </url>
</urlset>
