<?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/comment/bamford-why-are-so-many-planners-reluctant-to-go-niche</loc>
    <lastmod>2020-02-03T08:05:05+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/59-are-interested-in-financial-advice-careers</loc>
    <lastmod>2020-02-03T10:36:28+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/1m-miss-31-january-tax-return-deadline</loc>
    <lastmod>2020-02-03T11:10:11+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/chartered-planner-hfmc-acquires-london-wealth-manager</loc>
    <lastmod>2020-02-03T12:19:15+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/comment/chloe-moran-from-paraplanner-to-financial-planner-my-journey</loc>
    <lastmod>2020-02-04T07:31:32+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/2m-grant-to-fund-scottish-crime-busting-reg-tech-firm</loc>
    <lastmod>2020-02-04T09:09:21+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/more-than-4-200-take-cfa-exam-in-uk</loc>
    <lastmod>2020-02-04T09:35:38+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/lv-revamps-pension-charges-to-favour-100k-clients</loc>
    <lastmod>2020-02-04T10:33:36+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/84-of-ifas-fear-contingent-charge-ban-will-hit-db-advice</loc>
    <lastmod>2020-02-04T11:39:52+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/independent-wealth-planners-acquires-chartered-firm</loc>
    <lastmod>2020-02-05T07:57:58+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/brown-shipley-hires-experienced-planner-as-client-director</loc>
    <lastmod>2020-02-05T09:17:06+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/curtis-banks-urges-protection-for-pension-tax-relief</loc>
    <lastmod>2020-02-05T09:41:20+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/defaqto-extends-star-ratings-to-digital-wealth-products</loc>
    <lastmod>2020-02-05T11:18:57+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/lang-cat-launches-platform-due-diligence-tool</loc>
    <lastmod>2020-02-05T12:00:02+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/st-james-s-place-appoints-two-female-non-exec-directors</loc>
    <lastmod>2020-02-06T08:57:38+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/fintech-to-launch-revolutionary-cash-flow-tool-upgrade</loc>
    <lastmod>2020-02-06T09:23:25+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/tracker-fund-inflows-hit-record-18bn-in-2019</loc>
    <lastmod>2020-02-06T10:22:13+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/fca-board-re-shuffle-sees-2-new-directors</loc>
    <lastmod>2020-02-06T12:13:07+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/tisa-and-altus-launch-vulnerable-customers-tool</loc>
    <lastmod>2020-02-06T12:25:15+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/peter-hargreaves-to-sell-500m-of-hl-shares</loc>
    <lastmod>2020-02-06T18:05:57+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/hargreaves-increases-share-sell-off-to-550m</loc>
    <lastmod>2020-02-07T07:53:53+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/56-of-workers-concerned-about-retirement-savings</loc>
    <lastmod>2020-02-07T09:33:07+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/16m-saving-into-master-trust-pensions-says-tpr</loc>
    <lastmod>2020-02-07T10:58:37+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/comment/nicola-watts-why-scammers-threaten-us-all</loc>
    <lastmod>2020-02-14T07:19:31+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/independent-wealth-buys-scottish-financial-planner-agl</loc>
    <lastmod>2020-02-10T09:27:35+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/tpr-to-shake-up-trustee-rules-to-protect-pension-savers</loc>
    <lastmod>2020-02-10T10:01:50+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/free-due-diligence-service-sees-1-700-requests-in-first-year</loc>
    <lastmod>2020-02-10T11:10:46+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/chase-de-vere-hits-back-at-incentives-criticism</loc>
    <lastmod>2020-02-10T11:59:56+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/platform-engine-fnz-acquires-business-from-irish-life</loc>
    <lastmod>2020-02-11T07:26:58+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/pfs-urges-advisers-to-lobby-mps-over-soaring-fscs-levy</loc>
    <lastmod>2020-02-11T08:31:34+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/cisi-flagship-paraplanner-conference-shifts-to-london</loc>
    <lastmod>2020-02-11T09:13:01+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/ceo-of-disabled-charity-jailed-for-pension-fraud</loc>
    <lastmod>2020-02-11T10:28:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/2-in-3-couples-failing-to-get-retirement-planning-advice</loc>
    <lastmod>2020-02-11T11:16:00+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/comment/john-moret-key-sipp-issues-unresolved-after-30-years</loc>
    <lastmod>2020-02-12T07:30:01+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/aegon-s-cameron-warns-against-pension-tax-relief-cut</loc>
    <lastmod>2020-02-12T08:15:19+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/new-international-sipp-launched-for-uk-expats</loc>
    <lastmod>2020-02-12T10:28:05+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/private-equity-firm-anacap-buys-platform-wealthtime</loc>
    <lastmod>2020-02-12T11:43:24+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/fall-in-percentage-of-successful-sipp-complaints</loc>
    <lastmod>2020-02-12T13:06:59+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/sandringham-unveils-buy-out-scheme-for-retiring-planners</loc>
    <lastmod>2020-02-13T08:19:57+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/financial-planner-celebrates-women-becoming-majority-of-staff</loc>
    <lastmod>2020-02-13T07:36:11+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/royal-london-mulls-selling-off-platform-ascentric</loc>
    <lastmod>2020-02-13T10:45:07+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/fca-appoints-interim-director-of-strategy-and-competition</loc>
    <lastmod>2020-02-13T11:17:07+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/pensions-transfer-values-pick-up-in-january-post-election</loc>
    <lastmod>2020-02-13T12:09:45+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/shock-as-sunak-replaces-javid-as-chancellor</loc>
    <lastmod>2020-02-13T12:16:19+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/bristol-insurance-broker-launches-financial-planning-arm</loc>
    <lastmod>2020-02-14T08:34:43+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/industry-hit-with-540m-in-fca-penalties-in-2019</loc>
    <lastmod>2020-02-14T11:21:38+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/3-000-download-pfs-template-after-call-to-action</loc>
    <lastmod>2020-02-14T12:09:54+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/rbs-set-to-rebrand-under-natwest-name</loc>
    <lastmod>2020-02-14T12:38:02+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/investment-association-appoints-skeoch-as-new-chair</loc>
    <lastmod>2020-02-14T15:48:58+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/jupiter-set-to-swallow-merian-in-370m-deal</loc>
    <lastmod>2020-02-17T09:42:41+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/fscs-makes-first-payouts-of-2-7m-to-lcf-victims</loc>
    <lastmod>2020-02-17T10:02:51+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/investors-suffer-43-9bn-wasted-in-dog-funds</loc>
    <lastmod>2020-02-17T11:49:57+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/new-evidence-pfs-members-hit-by-huge-pi-increases</loc>
    <lastmod>2020-02-17T12:22:15+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/ns-i-cuts-savings-rates-and-premium-bond-prizes</loc>
    <lastmod>2020-02-18T08:32:27+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/old-mutual-international-rebrands-under-quilter-name</loc>
    <lastmod>2020-02-18T08:56:38+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/fca-concerned-about-growth-of-high-risk-investments</loc>
    <lastmod>2020-02-18T10:57:41+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/investec-am-staff-to-own-20-of-shares-after-ipo</loc>
    <lastmod>2020-02-18T12:35:26+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/new-chancellor-confirms-11-march-budget-date</loc>
    <lastmod>2020-02-18T14:13:28+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/hartley-snaps-up-4-000-client-failed-sipp-firm</loc>
    <lastmod>2020-02-19T07:29:38+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/vanguard-launches-sipp-capped-at-375-annual-fee</loc>
    <lastmod>2020-02-19T08:33:02+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/two-new-firms-join-cisi-s-accredited-elite</loc>
    <lastmod>2020-02-19T09:17:10+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/franklin-to-buy-rival-legg-mason-in-1-15-trn-tie-up</loc>
    <lastmod>2020-02-19T10:12:16+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/surprise-jump-in-cpi-inflation-from-1-3-to-1-8</loc>
    <lastmod>2020-02-19T11:05:32+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/investment-manager-ips-merges-with-financial-planner</loc>
    <lastmod>2020-02-19T11:51:50+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/2-online-d2c-firms-combine-to-reach-570-000-investors</loc>
    <lastmod>2020-02-19T18:23:02+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/schroders-pw-to-be-top-3-financial-planner-by-2023</loc>
    <lastmod>2020-02-20T10:18:56+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/pfs-joins-armed-forces-charity-body-serving-6m</loc>
    <lastmod>2020-02-20T11:41:01+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/58-of-older-clients-want-advice-on-retiring-early</loc>
    <lastmod>2020-02-20T11:53:33+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/quilter-platform-cuts-charges-for-family-investments</loc>
    <lastmod>2020-02-21T08:25:48+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/govt-may-expand-dormant-assets-scheme-to-investments</loc>
    <lastmod>2020-02-21T08:56:21+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/lebc-in-buoyant-mood-despite-losses-and-turnover-slump</loc>
    <lastmod>2020-02-21T10:50:40+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/passive-funds-dominate-platform-sales-in-q4-2019</loc>
    <lastmod>2020-02-24T09:00:50+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/new-pfs-pathway-for-15-000-potential-financial-advisers</loc>
    <lastmod>2020-02-24T10:46:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/now-pensions-calls-for-all-workers-to-be-auto-enrolled</loc>
    <lastmod>2020-02-24T11:14:30+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/carey-pensions-is-relaunched-as-options</loc>
    <lastmod>2020-02-24T11:59:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/pension-freedom-users-risk-cash-running-out-abi</loc>
    <lastmod>2020-02-25T06:00:40+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/comment/martin-bamford-so-where-s-all-the-financial-planning-competition</loc>
    <lastmod>2020-02-25T08:31:14+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/comment/guest-column-beware-death-by-cashflow-modelling</loc>
    <lastmod>2020-02-26T07:18:32+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/rlam-hires-from-janus-for-new-sustainable-equity-fund</loc>
    <lastmod>2020-02-25T09:58:05+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/fca-apologises-after-confidential-data-breach</loc>
    <lastmod>2020-02-25T10:58:03+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/embark-picks-new-pensions-ceo-as-2-execs-leave</loc>
    <lastmod>2020-02-25T11:10:24+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/maps-names-leaders-tasked-with-raising-financial-wellbeing</loc>
    <lastmod>2020-02-26T06:18:18+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/uk-cfp-numbers-slip-as-global-total-nears-190-000</loc>
    <lastmod>2020-02-26T09:15:26+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/jupiter-launches-european-smaller-companies-fund</loc>
    <lastmod>2020-02-26T12:21:04+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/openwork-hires-ex-rathbones-boss-as-new-ceo</loc>
    <lastmod>2020-02-26T16:43:14+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/profits-slump-at-sjp-after-challenging-year</loc>
    <lastmod>2020-02-27T08:35:52+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/chartered-planner-justin-interviews-tv-celebrity-for-podcast</loc>
    <lastmod>2020-02-27T09:10:40+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/1-in-5-in-the-dark-about-their-pensions</loc>
    <lastmod>2020-02-27T11:42:52+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/comment/copy-of-claire-trott-my-pension-freedom-concerns</loc>
    <lastmod>2020-02-28T06:56:29+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/jupiter-suffers-11-drop-in-pre-tax-profit</loc>
    <lastmod>2020-02-28T08:44:57+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/fca-mulls-rule-change-on-illiquid-assets-in-funds</loc>
    <lastmod>2020-02-28T10:54:39+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/nottingham-adviser-firm-adds-5th-pfs-fellow</loc>
    <lastmod>2020-02-28T11:32:11+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/and-next-up-the-financial-wellbeing-news</loc>
    <lastmod>2020-02-28T12:10:33+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/cisi-flagship-paraplanner-conference-moved-to-september</loc>
    <lastmod>2020-03-24T11:40:09+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/comment/martin-bamford-new-work-patterns-can-help-us-all</loc>
    <lastmod>2020-03-27T14:14:40+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/comment/chloe-moran-laptops-and-love-hearts-coping-with-wfh</loc>
    <lastmod>2020-04-09T16:01:54+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/comment/chloe-moran-why-community-can-help-us-all</loc>
    <lastmod>2020-09-03T08:30:12+00:00</lastmod>
  </url>
</urlset>
