<?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/six-candidates-vying-for-three-ifp-board-positions</loc>
    <lastmod>2014-09-01T08:50:18+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/wealth-manager-completes-glasgow-adviser-firm-buy-out</loc>
    <lastmod>2014-09-01T09:47:19+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/financial-jargon-putting-savers-off-as-survey-finds-lack-of-isa-knowledge</loc>
    <lastmod>2014-09-01T10:56:55+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/ill-health-prompts-fund-management-firm-chairman-to-leave-role</loc>
    <lastmod>2014-09-02T08:37:43+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/most-complained-about-firms-revealed-by-financial-ombudsman</loc>
    <lastmod>2014-09-02T09:59:46+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/aegon-s-platform-business-passes-the-2bn-marker</loc>
    <lastmod>2014-09-02T10:35:45+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/1-5bn-in-limbo-as-hargreaves-reports-major-annuity-sales-fall</loc>
    <lastmod>2014-09-03T08:45:04+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/mp-very-concerned-about-true-cost-of-pension-guidance-service-levy</loc>
    <lastmod>2014-09-03T09:24:20+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/warning-guidance-service-could-damage-financial-advisers</loc>
    <lastmod>2014-09-03T10:07:20+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/standard-life-sells-canadian-arm-for-2-2bn</loc>
    <lastmod>2014-09-04T07:38:58+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/pensions-body-baffling-options-need-to-be-made-clearer</loc>
    <lastmod>2014-09-04T08:42:37+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/reluctant-retiree-grandparents-could-lead-to-childcare-shortage</loc>
    <lastmod>2014-09-04T09:29:34+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/advisory-firm-hit-with-2m-bill-by-watchdog-for-conduct-failings</loc>
    <lastmod>2014-09-04T10:08:18+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/bank-of-england-rate-still-remains-the-same</loc>
    <lastmod>2014-09-04T11:00:00+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/financial-planning-firm-s-adviser-gave-wrong-advice-to-pension-client</loc>
    <lastmod>2014-09-05T08:50:49+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/skandia-makes-u-turn-over-invesco-perpetual-funds</loc>
    <lastmod>2014-09-05T09:50:26+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/pension-enquiries-treble-after-budget-and-sipp-complaints-go-up</loc>
    <lastmod>2014-09-05T11:31:54+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/pensions-industry-in-danger-of-breaching-capacity-to-cope</loc>
    <lastmod>2014-09-08T09:13:50+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/600m-takeover-reports-described-as-rumours</loc>
    <lastmod>2014-09-08T09:42:10+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/celebrity-campaign-to-help-public-cotton-on-about-compensation</loc>
    <lastmod>2014-09-08T10:32:36+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/low-income-workers-saving-enough-jumps-since-auto-enrolment</loc>
    <lastmod>2014-09-09T08:43:53+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/fca-chairman-says-big-workload-looms-if-scots-say-yes-to-independence</loc>
    <lastmod>2014-09-09T10:04:47+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/fca-grilled-over-millions-falling-through-advice-gap</loc>
    <lastmod>2014-09-09T11:05:45+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/barnett-waddingham-acquires-hundreds-of-sipp-ssas-clients</loc>
    <lastmod>2014-09-10T08:42:20+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/financial-planner-gets-distinction-in-obtaining-trust-and-estate-accreditation</loc>
    <lastmod>2014-09-10T08:41:34+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/tributes-to-trailblazer-adviser-who-was-like-ipod-in-tape-deck-era</loc>
    <lastmod>2014-09-10T10:09:33+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/scotland-exit-plans-revealed-by-standard-life</loc>
    <lastmod>2014-09-10T10:35:59+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/advice-gap-has-been-moved-up-list-of-priorities</loc>
    <lastmod>2014-09-11T08:44:24+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/95-of-accommodation-and-food-service-sector-had-no-private-pension</loc>
    <lastmod>2014-09-11T09:41:48+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/annuity-sales-fall-means-retirees-may-get-much-less-than-deserved</loc>
    <lastmod>2014-09-11T10:58:55+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/financial-planning-firm-strikes-double-takeover-deal</loc>
    <lastmod>2014-09-12T08:36:59+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/maelstrom-ahead-if-scots-opt-for-breakaway-pension-firm-s-co-founder-says</loc>
    <lastmod>2014-09-12T09:20:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/investors-ditch-sterling-as-uncertainty-over-scotland-grows</loc>
    <lastmod>2014-09-12T09:44:49+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/wealth-manager-goes-from-bedroom-to-overseeing-385m-of-assets</loc>
    <lastmod>2014-09-12T10:16:18+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/planners-and-paraplanners-can-still-book-ifp-conference-place</loc>
    <lastmod>2014-09-12T14:36:28+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/firm-s-venture-capital-trust-status-reinstated</loc>
    <lastmod>2014-09-15T08:30:33+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/sixty-somethings-own-quarter-of-uk-s-4trillion-property-wealth</loc>
    <lastmod>2014-09-15T09:04:08+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/auto-enrolment-investigation-by-mps-begins</loc>
    <lastmod>2014-09-15T11:39:33+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/fca-makes-3-2m-confiscation-orders-for-insider-dealing</loc>
    <lastmod>2014-09-15T13:30:09+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/inflation-rate-falls-again</loc>
    <lastmod>2014-09-16T08:40:26+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/led-zeppelin-tribute-to-outgoing-l-g-senior-director</loc>
    <lastmod>2014-09-16T09:06:26+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/adviser-who-lacked-honesty-and-integrity-banned-and-fined-300k</loc>
    <lastmod>2014-09-16T09:16:54+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/architas-cuts-multi-asset-passive-fund-range-price</loc>
    <lastmod>2014-09-16T10:10:27+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/win-a-new-busines-book-on-how-to-use-sports-star-techniques</loc>
    <lastmod>2014-09-18T15:12:36+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/war-paint-at-the-ready-for-paraplanners-pow-wow</loc>
    <lastmod>2014-09-17T08:24:28+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/platforum-confirms-resignation-of-founder-holly-mackay</loc>
    <lastmod>2014-09-17T08:58:25+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/ex-ifp-president-scots-yes-vote-a-nightmare-scenario-for-financial-services</loc>
    <lastmod>2014-09-17T10:28:02+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/extra-vat-costs-for-finance-firms-to-run-into-100millions</loc>
    <lastmod>2014-09-17T13:42:35+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/pensions-firm-announces-profit-despite-annuity-sales-fall</loc>
    <lastmod>2014-09-18T08:35:29+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/firms-agree-transfer-of-nearly-1-000-advisers</loc>
    <lastmod>2014-09-18T09:08:34+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/in-pictures-paraplanners-ditch-desks-for-teepees-at-powwow</loc>
    <lastmod>2014-09-18T11:00:28+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/scottish-firm-which-eyed-the-exit-door-weighs-up-devolution-impact</loc>
    <lastmod>2014-09-19T08:40:58+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/pensions-and-tax-relief-upheaval-looms-despite-scottish-no-vote</loc>
    <lastmod>2014-09-19T09:09:16+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/shaken-up-ifp-conference-to-deliver-value-for-money</loc>
    <lastmod>2014-09-19T10:45:57+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/win-a-book-showing-you-how-sport-can-help-your-business</loc>
    <lastmod>2014-09-19T14:59:53+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/skandia-name-is-no-more-as-old-mutual-transition-takes-effect</loc>
    <lastmod>2014-09-22T08:31:52+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/definition-of-advice-still-unclear-firms-tell-fca</loc>
    <lastmod>2014-09-22T09:23:15+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/firms-that-don-t-benefit-from-new-guidance-service-shouldn-t-pay-levy</loc>
    <lastmod>2014-09-22T10:37:15+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/fca-told-advisers-will-be-unfairly-hit-by-new-guidance-service</loc>
    <lastmod>2014-09-23T08:46:37+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/merchant-bank-sets-up-new-private-division-for-wealthy-families</loc>
    <lastmod>2014-09-23T09:09:09+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/record-fine-for-barclays-after-unacceptable-conduct-in-investment-banking</loc>
    <lastmod>2014-09-23T10:01:46+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/complaint-against-financial-planning-firm-s-investment-advice-upheld</loc>
    <lastmod>2014-09-23T11:05:22+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/fca-ready-for-mis-selling-complaints-on-eea-ucis-fund</loc>
    <lastmod>2014-09-24T07:40:52+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/paraplanners-want-unified-standard-for-their-profession</loc>
    <lastmod>2014-09-24T08:54:23+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/investment-adviser-gets-fca-ban-for-false-information</loc>
    <lastmod>2014-09-24T10:06:15+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/paraplanner-powwow-may-become-two-day-event-in-2015</loc>
    <lastmod>2014-09-24T10:35:10+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/400m-wealth-management-firm-bought-out</loc>
    <lastmod>2014-09-25T08:07:43+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/most-complained-about-firms-revealed-by-the-fca</loc>
    <lastmod>2014-09-25T08:32:00+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/workplace-pension-scheme-membership-rises-to-27-9-million</loc>
    <lastmod>2014-09-25T08:53:49+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/financial-planning-world-comes-together-at-celtic-manor</loc>
    <lastmod>2014-09-26T08:27:20+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/dismantle-the-pensions-revolution-before-it-s-too-late</loc>
    <lastmod>2014-09-26T09:26:05+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/paraplanner-powwow-gains-momentum-with-another-event</loc>
    <lastmod>2014-09-26T10:41:25+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/death-tax-abolition-to-make-annuities-less-attractive-says-expert</loc>
    <lastmod>2014-09-29T08:38:34+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/countdown-to-celtic-manor-ifp-conference-highlights</loc>
    <lastmod>2014-09-29T09:19:28+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/massive-dilemma-created-by-death-tax-abolition</loc>
    <lastmod>2014-09-29T10:05:56+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/fca-adviser-reporting-form-changes-may-halve-costs</loc>
    <lastmod>2014-09-29T12:01:40+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/financial-planning-team-expanded-due-to-increased-appetite</loc>
    <lastmod>2014-09-30T08:57:01+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/advisers-to-increase-dfm-use-and-investment-management-outsourcing</loc>
    <lastmod>2014-09-30T09:30:20+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/four-investment-firms-and-three-pension-companies-declared-in-default</loc>
    <lastmod>2014-09-30T10:18:10+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/caged-ex-tax-body-chief-must-return-5m-pension-tax-fraud-cash-or-face-10-extra-years</loc>
    <lastmod>2014-09-30T14:03:00+00:00</lastmod>
  </url>
</urlset>
