<?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/nicola-watts-the-irreplaceable-quality-financial-planners-offer</loc>
    <lastmod>2021-05-04T06:09:51+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/frenkel-topping-adds-13m-to-m-a-war-chest</loc>
    <lastmod>2021-05-04T07:15:42+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/wh-ireland-hunts-for-acquisitions-as-aum-rises</loc>
    <lastmod>2021-05-04T07:32:47+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/20-of-women-have-taken-action-on-gender-pension-gap</loc>
    <lastmod>2021-05-04T09:01:23+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/fca-proposes-mandatory-pension-wise-appointments</loc>
    <lastmod>2021-05-04T09:15:37+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/hmrc-returned-115-6m-overpaid-pension-tax-in-2020-21</loc>
    <lastmod>2021-05-04T09:46:43+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/iwp-acquires-north-east-chartered-financial-planning-firm</loc>
    <lastmod>2021-05-04T10:14:45+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/1-in-8-over-50s-change-retirement-plans</loc>
    <lastmod>2021-05-05T05:45:12+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/most-nucleus-shareholders-accept-james-hay-bid</loc>
    <lastmod>2021-05-05T07:49:01+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/ahr-unveils-ambitious-hnw-client-venture</loc>
    <lastmod>2021-05-05T09:24:52+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/fe-investments-removes-vat-from-mps</loc>
    <lastmod>2021-05-05T09:35:50+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/15-of-couples-keep-financial-secrets</loc>
    <lastmod>2021-05-05T09:48:29+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/altmann-calls-for-compulsory-pension-wise-guidance</loc>
    <lastmod>2021-05-05T10:06:38+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/mental-health-claims-double-at-zurich-in-2020</loc>
    <lastmod>2021-05-06T05:37:31+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/pandemic-sparks-rise-in-flexi-retirement</loc>
    <lastmod>2021-05-06T07:15:04+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/half-of-planners-to-continue-remote-working-post-pandemic</loc>
    <lastmod>2021-05-06T08:40:01+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/xps-waives-sipp-and-ssas-commercial-property-fee</loc>
    <lastmod>2021-05-06T08:53:27+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/aviva-expands-financial-advice-offering</loc>
    <lastmod>2021-05-06T09:07:06+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/savers-invest-4-4bn-in-march</loc>
    <lastmod>2021-05-06T09:41:56+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/bank-of-england-holds-interest-rates-at-0-1</loc>
    <lastmod>2021-05-06T11:48:12+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/2-in-3-advisers-adding-more-client-money-to-esg-funds</loc>
    <lastmod>2021-05-07T05:57:15+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/fca-unveils-new-long-term-investment-funds</loc>
    <lastmod>2021-05-07T08:44:35+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/free-mental-health-talks-for-quilter-advisers</loc>
    <lastmod>2021-05-07T10:50:20+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/pimfa-launches-guide-to-help-members-fight-online-fraud</loc>
    <lastmod>2021-05-07T11:22:01+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/comment/editor-s-column-the-post-pandemic-pension-rethink</loc>
    <lastmod>2021-05-08T16:44:18+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/lloyds-bank-to-snap-up-embark-group-reports</loc>
    <lastmod>2021-05-10T07:54:19+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/78-have-no-estate-planning-in-place</loc>
    <lastmod>2021-05-10T09:54:01+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/options-owner-sells-jersey-trust-arm-for-1-4m</loc>
    <lastmod>2021-05-10T10:57:05+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/earlybird-isas-investors-likely-to-be-middle-aged</loc>
    <lastmod>2021-05-10T11:23:16+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/carey-pensions-parent-firm-profit-drops-48-in-2020</loc>
    <lastmod>2021-05-11T07:17:54+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/exclusive-number-of-sipp-providers-falls-to-decade-low</loc>
    <lastmod>2021-05-11T07:25:50+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/tilney-smith-williamson-sees-6-7-rise-in-net-flows</loc>
    <lastmod>2021-05-11T08:44:00+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/investors-confused-by-responsible-investing-terminology</loc>
    <lastmod>2021-05-11T09:53:11+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/1-in-3-scots-hnw-clients-have-used-a-planner</loc>
    <lastmod>2021-05-11T10:40:51+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/queen-s-speech-offers-no-social-reform-clarity</loc>
    <lastmod>2021-05-11T12:17:50+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/families-of-planner-clients-could-get-secret-pensions</loc>
    <lastmod>2021-05-12T08:01:24+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/q1-platform-inflows-strongest-since-2018</loc>
    <lastmod>2021-05-12T09:13:22+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/13-7m-pension-transfer-fraud-trial-date-set</loc>
    <lastmod>2021-05-12T09:36:45+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/north-wales-planner-opens-london-office</loc>
    <lastmod>2021-05-12T10:11:03+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/moneyfacts-partners-with-chartered-financial-planner</loc>
    <lastmod>2021-05-12T10:51:43+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/fe-fundinfo-snaps-up-cashflow-firm-cashcalc</loc>
    <lastmod>2021-05-13T06:44:35+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/advisers-unlikely-to-benefit-from-206m-fscs-levy-cut</loc>
    <lastmod>2021-05-13T08:54:05+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/govt-confirms-online-fraud-covered-by-new-bill</loc>
    <lastmod>2021-05-13T10:48:39+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/gwm-financial-planning-rebrands-as-skybound</loc>
    <lastmod>2021-05-13T11:32:47+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/2m-carbon-credit-fraudsters-convicted-after-bbc-probe</loc>
    <lastmod>2021-05-14T08:14:09+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/fca-outlines-stronger-protection-for-consumers</loc>
    <lastmod>2021-05-14T09:04:42+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/novia-ceo-to-exit-after-private-equity-takeover</loc>
    <lastmod>2021-05-14T09:52:15+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/hubwise-and-moneyinfo-upgrade-report-delivery</loc>
    <lastmod>2021-05-14T10:19:30+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/pensions-dashboard-recruits-programme-director</loc>
    <lastmod>2021-05-14T10:34:09+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/comment/editor-s-column-a-question-of-trust</loc>
    <lastmod>2021-05-14T15:21:03+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/brooks-ceo-quits-to-head-sla-personal-wealth</loc>
    <lastmod>2021-05-17T07:58:32+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/fca-to-ban-cmc-phoenixing-claims-to-fscs</loc>
    <lastmod>2021-05-17T09:06:50+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/40-cmc-phoenixing-complaints-in-1-week-pfs</loc>
    <lastmod>2021-05-17T09:46:35+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/ditch-pension-transfer-safe-lists-says-aj-bell-ceo</loc>
    <lastmod>2021-05-17T11:12:32+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/47-of-pension-savers-retire-earlier-than-planned</loc>
    <lastmod>2021-05-17T11:25:29+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/new-latest-financial-planning-today-magazine-4</loc>
    <lastmod>2021-05-18T06:03:47+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/trio-sentenced-for-insurance-fraud</loc>
    <lastmod>2021-05-18T07:07:08+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/fscs-welcomes-clampdown-on-adviser-phoenixing</loc>
    <lastmod>2021-05-18T07:50:46+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/goldman-sachs-to-launch-robo-adviser</loc>
    <lastmod>2021-05-18T08:05:51+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/govt-to-tackle-phoenixing-firms-with-new-law</loc>
    <lastmod>2021-05-18T08:34:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/lumin-wealth-merges-with-swiss-provider</loc>
    <lastmod>2021-05-18T09:24:19+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/phoenix-group-to-sell-european-business</loc>
    <lastmod>2021-05-18T09:37:14+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/socium-responds-to-speculation-on-beaufort-deal</loc>
    <lastmod>2021-05-19T06:35:10+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/fca-green-lights-232m-afh-takeover</loc>
    <lastmod>2021-05-19T07:39:36+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/inflation-doubles-in-a-month-to-1-5</loc>
    <lastmod>2021-05-19T08:01:04+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/punter-southall-wealth-adds-2-new-planners</loc>
    <lastmod>2021-05-19T10:59:19+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/abi-director-general-evans-to-leave-for-kpmg-partner-role</loc>
    <lastmod>2021-05-19T11:24:47+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/aviva-investors-to-close-400m-property-fund</loc>
    <lastmod>2021-05-20T06:48:03+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/13-advisers-join-just-wealth</loc>
    <lastmod>2021-05-20T07:25:47+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/unadvised-annuity-customers-losing-out</loc>
    <lastmod>2021-05-20T08:03:39+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/record-female-fund-managers-compete-for-alpha-manager</loc>
    <lastmod>2021-05-20T08:45:14+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/db-transfer-activity-falls-but-red-flag-cases-rise</loc>
    <lastmod>2021-05-20T09:07:56+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/fscs-adds-2-advisers-to-list-of-failed-firms</loc>
    <lastmod>2021-05-20T10:06:50+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/unauthorised-advice-fraudster-charged</loc>
    <lastmod>2021-05-20T11:36:49+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/parmenion-axes-vat-on-managed-portfolio-services</loc>
    <lastmod>2021-05-21T07:58:03+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/6-in-10-advisers-saw-client-growth-in-2020</loc>
    <lastmod>2021-05-21T09:07:48+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/ots-calls-for-reform-to-make-cgt-reporting-easier</loc>
    <lastmod>2021-05-21T11:20:07+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/adviser-firm-gifts-plantable-books-to-local-children</loc>
    <lastmod>2021-05-21T11:48:44+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/comment/editor-s-column-phoenixes-need-to-be-shot-down</loc>
    <lastmod>2021-05-21T16:18:39+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/greenwashing-a-major-concern-for-esg-investors</loc>
    <lastmod>2021-05-24T08:44:04+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/walker-crips-to-boost-financial-planning-arm</loc>
    <lastmod>2021-05-24T10:24:41+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/sjp-to-offer-clients-help-in-finding-care-support</loc>
    <lastmod>2021-05-24T10:56:16+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/ifa-launches-algorithm-driven-investment-advice</loc>
    <lastmod>2021-05-24T14:54:43+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/huge-variation-in-advisers-client-risk-assessments</loc>
    <lastmod>2021-05-25T10:36:51+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/vanguard-boosts-esg-range-to-6-funds-with-new-etf</loc>
    <lastmod>2021-05-25T11:07:59+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/mattioli-acquires-2-financial-firms-in-110m-deal</loc>
    <lastmod>2021-05-26T08:16:17+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/1-in-4-have-never-heard-of-pension-tax-relief</loc>
    <lastmod>2021-05-26T09:39:33+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/ia-to-create-8-new-fund-sectors</loc>
    <lastmod>2021-05-26T10:17:46+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/sjp-reports-23-higher-inflows-as-pandemic-eases</loc>
    <lastmod>2021-05-26T11:01:57+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/welsh-ifa-barred-by-fca-for-compensation-failures</loc>
    <lastmod>2021-05-26T11:35:07+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/fairstone-adds-1-000-clients-with-latest-acquisition</loc>
    <lastmod>2021-05-27T07:59:00+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/m-g-wealth-partners-with-fintech-for-hybrid-advice-launch</loc>
    <lastmod>2021-05-27T08:48:50+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/aj-bell-to-launch-app-based-platform-for-advised-clients</loc>
    <lastmod>2021-05-27T11:13:01+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/exclusive-fca-issues-140-website-warnings-in-1-month</loc>
    <lastmod>2021-05-28T09:07:56+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/punter-southall-aspire-expands-financial-planning-teams</loc>
    <lastmod>2021-05-28T10:18:09+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/libf-adds-new-investment-planning-module-to-diploma</loc>
    <lastmod>2021-05-28T11:30:15+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/comment/editor-s-column-why-care-is-king-for-older-clients</loc>
    <lastmod>2021-05-28T14:59:04+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/comment/editor-s-column-let-the-banter-return</loc>
    <lastmod>2021-06-11T18:22:50+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/comment/editor-s-column-is-buying-nutmeg-a-bit-nutty</loc>
    <lastmod>2021-06-18T17:27:11+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/comment/editor-s-column-the-pfs-a-successful-but-problem-child</loc>
    <lastmod>2021-06-25T16:52:00+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.financialplanningtoday.co.uk/news/comment/editor-s-column-pfs-revolt-opens-door-to-dialogue</loc>
    <lastmod>2021-07-05T12:05:15+00:00</lastmod>
  </url>
</urlset>
