<?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/revealed-lowest-savings-and-isa-rates-published-by-fca</loc>
    <lastmod>2016-12-01T09:35:20+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/bellpenny-financial-planning-boss-exits-for-national-advice-firm</loc>
    <lastmod>2016-12-01T09:55:12+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/fscs-boss-warns-advisers-they-face-extra-levy-over-sipp-claims</loc>
    <lastmod>2016-12-01T10:10:36+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/fca-to-ban-adviser-over-112m-alternative-investments</loc>
    <lastmod>2016-12-01T10:29:19+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/planning-firms-can-get-nearly-10-000-to-pay-for-adviser-apprentice</loc>
    <lastmod>2016-12-01T11:06:06+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/dementia-client-among-vulnerable-sold-alternative-investments</loc>
    <lastmod>2016-12-02T09:26:21+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/adviser-body-urges-fca-to-act-fast-on-unregulated-investments</loc>
    <lastmod>2016-12-02T09:43:22+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/cashflow-modelling-expert-says-cashflow-model-not-essential</loc>
    <lastmod>2016-12-02T10:09:01+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/certified-financial-planners-must-increase-ethics-cpd</loc>
    <lastmod>2016-12-02T11:09:58+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/workers-save-extra-1-4-billion-into-pensions</loc>
    <lastmod>2016-12-02T11:45:39+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/percival-to-update-planners-on-dfm-due-diligence</loc>
    <lastmod>2016-12-05T09:27:54+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/urgent-action-needed-on-self-employed-pension-saving-decline</loc>
    <lastmod>2016-12-05T09:59:08+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/fca-uncovers-mistakes-in-pii-polices-over-fos-claims-cover</loc>
    <lastmod>2016-12-05T10:30:24+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/chartered-planners-acquire-1-500-clients-via-estate-planning-firm</loc>
    <lastmod>2016-12-05T11:18:34+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/client-wins-fos-case-over-firm-after-sipp-advice-complaint</loc>
    <lastmod>2016-12-05T11:28:21+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/comment/martin-bamford-how-we-re-winning-clients-via-5-000-podcast-downloads</loc>
    <lastmod>2016-12-06T08:16:58+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/22-year-old-adviser-becomes-youngest-ever-pfs-fellow</loc>
    <lastmod>2016-12-05T12:45:47+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/percival-fca-will-catch-you-out-if-you-retrofit-dfm-due-diligence</loc>
    <lastmod>2016-12-06T10:24:24+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/dfm-due-diligence-planners-warned-to-avoid-coming-a-cropper</loc>
    <lastmod>2016-12-06T10:34:54+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/fca-chief-to-be-grilled-by-lords-today-as-part-of-probe</loc>
    <lastmod>2016-12-06T07:30:55+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/percival-advisers-need-to-improve-capacity-for-loss-approach</loc>
    <lastmod>2016-12-06T15:07:27+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/ifa-firm-bought-by-financial-planning-group</loc>
    <lastmod>2016-12-07T09:21:08+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/pfs-and-campaigning-planner-want-pension-email-and-text-ban</loc>
    <lastmod>2016-12-07T09:43:59+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/financial-planners-miss-out-as-accountants-fail-to-make-referrals</loc>
    <lastmod>2016-12-07T10:29:25+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/govt-weighs-new-ssas-regulations-to-combat-scams</loc>
    <lastmod>2016-12-07T11:14:45+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/2-in-5-britons-aged-over-55-head-towards-debt-in-retirement</loc>
    <lastmod>2016-12-07T11:35:44+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/how-social-media-can-help-you-find-new-clients-in-latest-magazine</loc>
    <lastmod>2016-12-07T14:12:06+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/nucleus-chief-gets-official-govt-role-to-find-innovation-blockers</loc>
    <lastmod>2016-12-08T09:15:47+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/qrops-demand-forecast-to-rise-as-tax-reforms-outlined</loc>
    <lastmod>2016-12-08T09:44:29+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/financial-planning-boss-was-asked-to-help-finance-adult-toys-firm</loc>
    <lastmod>2016-12-08T11:35:36+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/veteran-pensions-expert-retires-after-career-spanning-five-decades</loc>
    <lastmod>2016-12-08T12:15:42+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/ifa-group-our-alternative-to-robo-used-by-25-000-so-far</loc>
    <lastmod>2016-12-08T12:25:09+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/comment/atkinson-2017-unlikely-to-yield-formal-paraplanner-standard</loc>
    <lastmod>2016-12-09T09:29:46+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/iht-receipts-reached-a-record-high-in-2015-16-report</loc>
    <lastmod>2016-12-09T09:01:38+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/fca-set-to-strengthen-rules-on-crowdfunding-to-protect-investors</loc>
    <lastmod>2016-12-09T10:09:39+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/academy-plans-to-boost-financial-adviser-apprenticeships</loc>
    <lastmod>2016-12-09T10:25:05+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/fca-tells-closed-book-firms-to-review-practices-within-3-months</loc>
    <lastmod>2016-12-09T10:47:59+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/schwarzenegger-aid-s-mass-advice-firm-gets-fca-green-light</loc>
    <lastmod>2016-12-12T09:59:00+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/speed-dating-style-mentoring-for-young-finance-females</loc>
    <lastmod>2016-12-12T10:27:31+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/advice-firms-growth-stunted-by-recruitment-issues</loc>
    <lastmod>2016-12-12T11:19:07+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/new-auto-enrolment-review-to-probe-low-income-jobs-and-self-employed</loc>
    <lastmod>2016-12-12T11:42:45+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/video-nick-cann-s-family-speak-about-cruel-blow-of-speech-loss</loc>
    <lastmod>2016-12-13T09:36:56+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/inflation-leaps-to-highest-rate-for-over-two-years</loc>
    <lastmod>2016-12-13T09:39:32+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/fca-warns-pension-firms-over-high-cost-risks-found-in-review</loc>
    <lastmod>2016-12-13T10:37:28+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/chartered-financial-planner-launches-smartphone-wealth-app</loc>
    <lastmod>2016-12-13T11:28:50+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/new-suitability-report-guidance-released-after-talks-with-fca</loc>
    <lastmod>2016-12-13T11:55:43+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/chartered-financial-planning-group-buys-holistic-planner-firm</loc>
    <lastmod>2016-12-13T12:26:35+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/cost-to-run-fos-set-to-rise-by-about-30million</loc>
    <lastmod>2016-12-14T09:24:58+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/comment/nicola-watts-rising-need-for-paraplanners-to-gain-fca-authorisation</loc>
    <lastmod>2016-12-14T09:41:35+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/providers-to-pay-more-for-fscs-to-even-burden-on-advisers</loc>
    <lastmod>2016-12-14T10:30:25+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/new-pii-rules-eyed-as-fca-bids-to-stop-firms-riskier-practices</loc>
    <lastmod>2016-12-14T11:22:45+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/pfs-disappointed-as-fca-rules-out-product-levy</loc>
    <lastmod>2016-12-14T11:50:18+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/standard-life-reveals-changes-to-elevate-charge-structure</loc>
    <lastmod>2016-12-14T12:06:15+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/liontrust-pounces-on-alliance-trust-investments-to-boost-assets-by-2-3bn</loc>
    <lastmod>2016-12-15T08:59:08+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/abi-unfair-that-insurers-told-to-pay-more-and-advice-firms-less</loc>
    <lastmod>2016-12-15T09:24:25+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/pfs-chief-cashflow-modelling-good-tool-where-appropriate</loc>
    <lastmod>2016-12-15T10:14:33+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/fos-orders-prudential-to-pay-clients-35k-over-identity-fraud</loc>
    <lastmod>2016-12-15T11:12:14+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/altmann-financial-planning-lacks-strong-industry-body</loc>
    <lastmod>2016-12-15T12:00:54+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/bank-of-england-we-re-freezing-base-rate-again</loc>
    <lastmod>2016-12-15T12:12:56+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/255m-settlement-made-after-regulator-s-anti-avoidance-action</loc>
    <lastmod>2016-12-16T09:19:53+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/clients-can-pay-for-lump-sum-advice-in-instalments-fca</loc>
    <lastmod>2016-12-16T09:33:05+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/financial-planning-and-facebook-how-to-gain-new-clients</loc>
    <lastmod>2016-12-16T09:57:54+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/pfs-we-all-must-do-more-to-lift-perceptions-of-financial-planning</loc>
    <lastmod>2016-12-16T10:58:36+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/brewin-dolphin-snaps-up-duncan-lawrie-am-for-28m</loc>
    <lastmod>2016-12-19T09:15:33+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/women-heading-for-poverty-in-later-life-says-cii</loc>
    <lastmod>2016-12-19T09:42:34+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/female-pensions-expert-speaks-against-gender-diversity-scheme</loc>
    <lastmod>2016-12-19T10:38:31+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/nucleus-snaps-up-tax-specialist-from-james-hay</loc>
    <lastmod>2016-12-19T10:52:58+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/3-consumer-guidance-bodies-face-axe-as-govt-reform-moves-ahead</loc>
    <lastmod>2016-12-19T12:35:30+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/four-advice-firms-bought-out-in-deals-totalling-10-5m</loc>
    <lastmod>2016-12-19T16:02:18+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/advisers-key-role-must-be-stressed-by-new-money-advice-service</loc>
    <lastmod>2016-12-20T09:42:16+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/pension-exit-charges-scrapped-by-financial-mutual</loc>
    <lastmod>2016-12-20T10:09:50+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/new-paraplanner-hub-set-up-by-firm-was-inspired-by-powwow</loc>
    <lastmod>2016-12-20T10:36:00+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/sipp-fee-schedule-altered-after-advisers-demand-more-simplicity</loc>
    <lastmod>2016-12-20T11:26:13+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/julie-lord-how-we-came-to-aid-of-client-after-sudden-job-loss</loc>
    <lastmod>2016-12-20T12:12:02+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/first-fall-this-year-for-pension-investments</loc>
    <lastmod>2016-12-21T09:38:19+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/revealed-the-6-tech-firms-that-will-create-new-pensions-dashboard</loc>
    <lastmod>2016-12-21T09:51:18+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/rory-percival-warns-many-risk-profiling-problems-still-exist</loc>
    <lastmod>2016-12-21T10:43:08+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/new-robo-boasts-prices-a-fraction-of-an-adviser</loc>
    <lastmod>2016-12-21T11:17:36+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/ex-defence-minister-given-pensions-role</loc>
    <lastmod>2016-12-21T11:53:58+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/comment/editor-my-10-wishes-for-financial-planning-and-paraplanning-in-2017</loc>
    <lastmod>2016-12-21T15:33:00+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/jail-term-handed-to-ex-blackrock-senior-fund-manager</loc>
    <lastmod>2016-12-21T15:51:59+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/retirement-market-specialist-heads-to-new-role-at-the-fca</loc>
    <lastmod>2016-12-22T09:45:00+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/blazing-yacht-and-pesky-wasp-to-blame-for-tax-failures</loc>
    <lastmod>2016-12-22T10:02:01+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/pensions-tax-relief-cut-coming-in-next-2-years-director-believes</loc>
    <lastmod>2016-12-22T10:51:08+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/chartered-planning-firm-snaps-up-4-advisers-from-major-bank</loc>
    <lastmod>2016-12-22T11:26:47+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/ifa-firm-takeover-helps-business-to-double-fum</loc>
    <lastmod>2016-12-23T09:20:11+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/mass-pensions-upgrade-has-to-be-delivered</loc>
    <lastmod>2016-12-23T09:56:39+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/how-to-get-our-news-on-facebook-twitter-and-email</loc>
    <lastmod>2016-12-23T11:34:41+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/over-55s-fear-falling-returns-on-savings-will-hit-financial-health</loc>
    <lastmod>2016-12-28T07:33:46+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/demand-for-flexible-hours-to-stave-off-retirement</loc>
    <lastmod>2016-12-28T10:02:39+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/poll-pensions-tax-relief-cut-coming-in-next-2-years</loc>
    <lastmod>2016-12-29T09:43:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/top-12-tips-for-financial-planning-and-social-media</loc>
    <lastmod>2016-12-29T09:56:49+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/global-adviser-boss-these-are-top-3-investor-risks-in-2017</loc>
    <lastmod>2016-12-29T14:13:12+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/chartered-planner-end-is-nigh-for-higher-rate-pensions-tax-relief</loc>
    <lastmod>2016-12-30T09:41:42+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/pfs-seeks-duo-to-in-bid-to-boost-advice-sector-s-professionalism</loc>
    <lastmod>2016-12-30T11:02:01+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/comment/martin-bamford-let-s-unify-paraplanning-and-financial-planning</loc>
    <lastmod>2017-01-06T09:05:47+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/inflation-jumps-to-highest-rate-for-two-and-a-half-years</loc>
    <lastmod>2017-01-17T09:52:07+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/frozen-bank-of-england-opts-for-unchanged-rate</loc>
    <lastmod>2017-02-02T12:06:19+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/comment/editor-s-comment-a-breath-of-fresh-air-for-financial-planning-profession</loc>
    <lastmod>2017-03-01T08:32:14+00:00</lastmod>
  </url>
</urlset>
