<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9" xmlns:image="http://www.google.com/schemas/sitemap-image/1.1" xmlns:xhtml="http://www.w3.org/1999/xhtml" xmlns:video="http://www.google.com/schemas/sitemap-video/1.1">
  <url>
    <loc>https://www.tailoredfp.com/blog</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2026-02-06</lastmod>
  </url>
  <url>
    <loc>https://www.tailoredfp.com/blog/8simpleways-to-align-your-values-with-your-money</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-02-06</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/8d26faf3-a2da-4aad-b3d6-3d4df5cf2837/DSCN3320.JPG</image:loc>
      <image:title>Blog - 8 Simple Ways to Align your Money with your Values</image:title>
      <image:caption>The first time I went to New York City was a big “I made it” moment. Here, at the top of the Empire State Building back in 2007, I felt on top of the world.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/f3ed84a8-5d51-41bf-bf76-6e3f99d28cdf/Tailored+Values+Discovery+Workbook.jpg</image:loc>
      <image:title>Blog - 8 Simple Ways to Align your Money with your Values - Download this free guide to get started in identifying your 5 Core Values</image:title>
      <image:caption>Grab your favorite beverage, find a comfy spot and dedicate 15 minutes to this exercise. Trust your gut and try to hold off on any self-judgment, because odds are most of these values are important to you. This will help identify what matters most.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/212cd180-0330-46a1-9f74-15989df40118/20241207_104515.jpg</image:loc>
      <image:title>Blog - 8 Simple Ways to Align your Money with your Values</image:title>
      <image:caption>For example, one of my core values is creativity. I love to buy new arts &amp; crafts supplies, but I don’t often use them. I’m more of a collector at this point than someone who is creative, haha. Part of the issue is that when I have free time, I often want to spend it with friends. So instead of hitting the craft store for more materials to build my artistic arsenal, I’ve decided that I will instead plan to have friends over to use up materials I already have at home. (Pic at right: paint night with friends at home=free!)</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/b3459990-862d-4c70-b2ba-b0571b7df095/20240501_180943.jpg</image:loc>
      <image:title>Blog - 8 Simple Ways to Align your Money with your Values - Consider the value of your time and some of the intangibles that come with certain purchases. For example, at first blush, eating out can seem frivolous. My family sometimes enjoys a pricey night out together at Korean BBQ, but look closer and you can find time spent together as a family, convenience of not having to plan, shop, cook &amp; clean-up after a home-cooked meal and the benefits of trying new foods and experiencing different cultures. K-pop videos on TVs all around— yes, please! (Pic: My husband Ted and son Felix at our favorite Korean BBQ place.)</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.tailoredfp.com/blog/tax-planning-is-for-everyone-not-just-the-rich</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-10-14</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/72d9cfd0-7770-4d97-9950-9cb0bb268bf8/Screenshot+2025-10-13+170045.jpg</image:loc>
      <image:title>Blog - Tax Planning for Real People: 6 Ways to Keep More of What You Earn - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/db8b987d-a1d0-4955-a654-497f5865fda6/Screenshot+2025-10-13+221536.jpg</image:loc>
      <image:title>Blog - Tax Planning for Real People: 6 Ways to Keep More of What You Earn - …then tax planning is already part of your financial life. The question is whether it’s happening on purpose.</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/1760420126721-AF93C622AEDI4BT179IE/unsplash-image-merlWZIBVuk.jpg</image:loc>
      <image:title>Blog - Tax Planning for Real People: 6 Ways to Keep More of What You Earn</image:title>
      <image:caption>Did you know that orthodontia is potentially a deductible expense?</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/1760405871236-48GW3TZFO23WP6HEPWC4/unsplash-image-V106bb1a9BY.jpg</image:loc>
      <image:title>Blog - Tax Planning for Real People: 6 Ways to Keep More of What You Earn - “Welcome little one, and thanks for the $2,000 tax credit”</image:title>
      <image:caption>Welcome little one, and thanks for the additional $2,000 child tax credit. &lt;3</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/1760420498746-HM8W13HU15SWQDWS6IJ2/unsplash-image-1dGMs4hhcVA.jpg</image:loc>
      <image:title>Blog - Tax Planning for Real People: 6 Ways to Keep More of What You Earn - Not the same kind of harvest, but it’s pretty to look at.</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/1760405748158-6GSTU05CC9AC1EVDMU7Z/image-asset.jpeg</image:loc>
      <image:title>Blog - Tax Planning for Real People: 6 Ways to Keep More of What You Earn - Make it stand out</image:title>
      <image:caption>“I love your highlights!”, “Thanks, I love the way you fully depreciate your capital equipment.”</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/9c7c32a3-6dc9-4f31-9501-dea8f5b6d751/20230912_111542-EDIT.jpg</image:loc>
      <image:title>Blog - Tax Planning for Real People: 6 Ways to Keep More of What You Earn - Stacy Dervin, CFA, CFP® provides fee-only financial planning and investment management services in Eugene, Oregon. Tailored Financial Planning (TFP) serves clients as a fiduciary and never earns a commission of any kind. As a financial advisor, Stacy is on a mission to help Gen X and Gen Y be truly proactive about their financial futures.</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.tailoredfp.com/blog/x65vhn4mje9802krebnw99ohifnkn8</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-08-02</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/1754156581098-IKKOVV5BNUWOCZX7OVH6/unsplash-image-ffmoMwIczfk.jpg</image:loc>
      <image:title>Blog - 5 Smart Money Moves to Make Before Summer Ends - Make it stand out</image:title>
      <image:caption>My husband and I are taking our two kids out to Crescent Lake next week for 3 nights in a cabin (with no wi-fi!) Wish us luck!</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/1754157731838-UAWB904DUHASOP40F6D4/unsplash-image-M80in3_dSg8.jpg</image:loc>
      <image:title>Blog - 5 Smart Money Moves to Make Before Summer Ends - Make it stand out</image:title>
      <image:caption>If your teen asks you to go to this place, run &amp; hide.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/1754158800453-ZKI7COJOORTMI0Z3F4OQ/unsplash-image-n4MLnDMOEf0.jpg</image:loc>
      <image:title>Blog - 5 Smart Money Moves to Make Before Summer Ends - Make it stand out</image:title>
      <image:caption>Take your laptop outside and enjoy the nice weather while it lasts!</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/cc21e2af-22bf-4deb-8c86-2376e4b554e7/20250731-Tailored_AthenaDelene-AD-0335.jpg</image:loc>
      <image:title>Blog - 5 Smart Money Moves to Make Before Summer Ends - Make it stand out</image:title>
      <image:caption>Let’s Chat!</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.tailoredfp.com/blog/read-this-if-you-have-federal-student-loans-in-may-2025-and-have-no-idea-what-is-going-on</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-05-09</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/1746815426944-4AHUAMM19ATWHQBE0D2P/unsplash-image-bwKtz4YVtmA.jpg</image:loc>
      <image:title>Blog - Read this if you have Federal Student Loans in May 2025 (and have no idea what is going on)</image:title>
      <image:caption>Not that it is much consolation, but at least you aren’t alone. In the state of Oregon alone, there are 543,000 student loan borrowers with an average of $37,017 in debt outstanding.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/a1bb626a-3238-4256-ab28-ea9e46b14b8b/college+investor.jpg</image:loc>
      <image:title>Blog - Read this if you have Federal Student Loans in May 2025 (and have no idea what is going on) - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/1746817694797-YGI9JBIPGBY4B0VJ9RNK/unsplash-image-LUYD2b7MNrg.jpg</image:loc>
      <image:title>Blog - Read this if you have Federal Student Loans in May 2025 (and have no idea what is going on) - Don’t be afraid to reach out for help if you really need it.</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.tailoredfp.com/blog/how-to-fight-your-financial-fears-2025-edition</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-03-13</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/1741883095012-ZYKJBLIG44PD8UUBQMSS/unsplash-image-oIDYbaMP1I4.jpg</image:loc>
      <image:title>Blog - How to Fight Your Financial Fears: 2025 Edition - What You Can Control #1: How Much You Save &amp; Spend</image:title>
      <image:caption>The portion of your earnings that goes into a savings account, whether that’s for retirement, for your emergency fund, or a special vacation in a few years is definitely in your control. Many people choose their lifestyle first and then calculate how much is left to save. The better approach is to calculate how much you need to save, and then spend what is leftover. Another way of saying this is “pay your future self first”. A popular target is to save at least 20% of your gross income towards various savings goals. Saving into other types of accounts can also be helpful to support you through tough times. Many retirement accounts allow for a small hardship withdrawal. And contributions to your after-tax Roth IRA can be distributed anytime without early withdrawal penalties (only earnings are subject to the 10% early withdrawal penalty).</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/1994eb85-c00a-496d-8b7d-80011330a337/20240428_101307.jpg</image:loc>
      <image:title>Blog - How to Fight Your Financial Fears: 2025 Edition - Our new garage door! Wondering how long it will last under that basketball hoop? me too.</image:title>
      <image:caption>Maybe we all need this reminder on our garage door?</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/2f297f06-4413-4a7f-b590-a377da75ba2b/Screenshot+2025-03-13+120152.jpg</image:loc>
      <image:title>Blog - How to Fight Your Financial Fears: 2025 Edition - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/10b76f55-ea94-4ae9-8f26-336b686fd63f/Screenshot+2025-03-13+115849.jpg</image:loc>
      <image:title>Blog - How to Fight Your Financial Fears: 2025 Edition - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/0a50f672-4b63-4426-940d-15b59c40480f/Screenshot+2025-03-13+120953.jpg</image:loc>
      <image:title>Blog - How to Fight Your Financial Fears: 2025 Edition</image:title>
      <image:caption>Investing across the globe provides you with another way to diversify your investment risk by getting exposure to different economics, different interest rates, different currencies and different inflation rates. (Click here to learn more about International Investing from my blog post “International Investing: Why now may be a good time to diversify”.)</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/d8b41676-a5c0-42d2-a5da-b55fe847cec1/20240311-Delene.Co_StudioDay-AD-0285.jpg</image:loc>
      <image:title>Blog - How to Fight Your Financial Fears: 2025 Edition - Stacy Dervin, CFA, CFP® provides fee-only financial planning and investment management services in Eugene, Oregon. Tailored Financial Planning (TFP) serves clients as a fiduciary and never earns a commission of any kind. As a financial advisor, Stacy is on a mission to help Gen X and Gen Y be truly proactive about their financial futures.</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.tailoredfp.com/blog/a-flexible-budgeting-app-for-couples-monarch-money</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-01-09</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/7742f2a9-f460-4951-bb9b-f7324a94f00f/IMG_20190105_162504_454.jpg</image:loc>
      <image:title>Blog - A Flexible Budgeting App for Couples: Monarch Money - I've been using the app personally with my husband, trying to learn best practices so that I can help clients who are also using the app. I've recently found some resources that I think are super helpful and want to share, along with a quick tutorial for getting started with the program.</image:title>
      <image:caption>Picture caption: Me &amp; Husband Ted during one of our rare angelic moments. Usually we are looking at our phones next to each other like regular couples.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/1736443900361-UNNQMOKZ3K75TPNX6H3S/unsplash-image--JJg90OAnWI.jpg</image:loc>
      <image:title>Blog - A Flexible Budgeting App for Couples: Monarch Money - For clients who don't already have a clear understanding of where their money goes each month, just doing steps 1-3 below with Monarch Money allows us to look back at their historical spending &amp; saving patterns. It gives insights into the true amount of total spending each month and helps uncover habits that weren’t so obvious.</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/d9a1d5ba-483a-4fdc-9f44-e3611f31f218/Spending+by+category.png</image:loc>
      <image:title>Blog - A Flexible Budgeting App for Couples: Monarch Money - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.tailoredfp.com/blog/year-end-checklist-for-business-owners-with-at-least-one-must-do</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-12-10</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/1733328723785-BF8V6Z5ELEB4UEMR9781/unsplash-image-Dae6gNfmOos.jpg</image:loc>
      <image:title>Blog - Year-End Checklist for Business Owners- with at least one ‘must do!’ - “Make sure I filed what with whom?” Yeah, it’s a new law (thanks, Congress) and it’s super important that you file this report before January 1st, 2025. If you don’t file, consequences may include hefty penalties and fines.</image:title>
      <image:caption>The Corporate Transparency Act now requires that all corporations (including single owner LLCs) to file a “Beneficial Ownership Information Report” with the Financial Crimes Enforcement Network (FinCEN). A "beneficial owner" is any individual who directly or indirectly (1) owns or controls 25% or more of an ownership interest in a company or (2) exercises substantial control over the company. FinCEN stores this information in a secure, non-public database.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/1733328323237-YAVHMQQACZZB1BSB7Y0M/unsplash-image-oUbzU87d1Gc.jpg</image:loc>
      <image:title>Blog - Year-End Checklist for Business Owners- with at least one ‘must do!’ - 3) Get your data organized and reconciled</image:title>
      <image:caption>Tax preparation is just around the corner and your life will be MUCH easier if you take some time now to clean up your books by categorizing expenses and reconciling your bank statements through at least November.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/1733330147909-1VHWGL4NAD33VPJJ1VTB/unsplash-image-IPx7J1n_xUc.jpg</image:loc>
      <image:title>Blog - Year-End Checklist for Business Owners- with at least one ‘must do!’ - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.tailoredfp.com/blog/is-it-a-good-idea-to-try-and-die-with-zero</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-09-18</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/47f4804d-83ba-43b6-a8a3-4edf4095e738/20231021_142418.jpg</image:loc>
      <image:title>Blog - Is it a good idea to try and “Die with Zero?” - We all cater to working with clients who are still “hard at work”-- not on the cusp of retirement or already retired, so the premise of this book was fascinating to us and we hoped would give us many ideas on how to advise our clients. The essence of “Die with Zero” is that you should aim to use up all of your money before you die– investing or spending your dollars in positive experiences. By not waiting until retirement to splurge on life experiences, you would trade some amount of your future wealth for a “memory dividend” that would enrich you for the rest of your life. So the author literally means you should try to die with zero dollars in the bank– using up all of the financial rewards of your life’s work while you are here and when you can most enjoy it.</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/65e6b1c6-4b44-48c5-a1d7-5e6ec95c8e10/Net+Worth+by+Age+July+2024.jpg</image:loc>
      <image:title>Blog - Is it a good idea to try and “Die with Zero?” - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/1725993775146-U70E5FM9KLFLETTENWXB/unsplash-image-lU4TuhmIKs4.jpg</image:loc>
      <image:title>Blog - Is it a good idea to try and “Die with Zero?” - Make it stand out</image:title>
      <image:caption>The cold, hard (and cheeky) truth: Your kids don't want your silver or fine china. They want cash. Preferably today. So they can spend it doing something fun with you, (but it probably won't happen at this table).</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/1725993362099-HWPKQJ8QN714D5PJE6S2/GettyImages-1218638588.jpg</image:loc>
      <image:title>Blog - Is it a good idea to try and “Die with Zero?” - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.tailoredfp.com/blog/international-investing-why-now-may-be-a-good-time-to-diversify</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-08-06</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/1722624913287-40K12MILBIW7WJFU4DX3/unsplash-image-EobQaSfI-EY.jpg</image:loc>
      <image:title>Blog - International Investing: Why now may be a good time to diversify - What is Diversification?</image:title>
      <image:caption>“Diversification is an investing strategy used to manage risk. Rather than concentrate money in a single company, industry, sector or asset class, investors diversify their investments across a range of different companies, industries and asset classes. When you divide your funds across companies large and small, at home and abroad, in both stocks and bonds, you avoid the risk of having all of your eggs in one basket.” Source: Forbes Advisor, https://www.forbes.com/advisor/investing/what-is-diversification/</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/1722631787901-O8DW7SWN346ZJIHXO8HU/unsplash-image-gJhev0YgUcE.jpg</image:loc>
      <image:title>Blog - International Investing: Why now may be a good time to diversify - The other type of stock investing outside the US is in countries called “Emerging Markets”. These companies are from countries that are still considered “developing” and therefore have lesser developed economic infrastructure or banking sectors.</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/1722631913913-1Q5LQOLE5574YPBFVATG/unsplash-image-UQ96a2VEXNs.jpg</image:loc>
      <image:title>Blog - International Investing: Why now may be a good time to diversify - For example, what’s the price of water? Well, it depends. Are you paying just pennies to pour it from your tap at home filling your water bottle? Or, are you instead buying it in a bottle at the supermarket for $2. Or maybe you are at the basketball arena and have to pay $5 for that same size bottle? The product is the same, but the price changes based on the environment. The same thing can happen for stocks, and it is called “valuation”.</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/0b9c460f-53ec-4ffd-a671-9745e0533911/Screenshot+2024-08-02+130523.jpg</image:loc>
      <image:title>Blog - International Investing: Why now may be a good time to diversify - Make it stand out</image:title>
      <image:caption>After the global pandemic market downturn of 2020, the P/E ratio of the United States (dark blue) has really pulled away from the International Developed Markets P/E (red) and the International Emerging Markets P/E ratio (yellow).</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/b15f58f9-b93f-46a2-8b10-5b762133653c/Screenshot+2024-08-02+125347.jpg</image:loc>
      <image:title>Blog - International Investing: Why now may be a good time to diversify - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/3fba4703-2a97-46a9-a7a6-6d1812221884/Screenshot+2024-08-02+131744.jpg</image:loc>
      <image:title>Blog - International Investing: Why now may be a good time to diversify - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/ede168e7-aed6-4fd5-84c7-3d2d5479ee2a/Screenshot+2024-08-02+134145.jpg</image:loc>
      <image:title>Blog - International Investing: Why now may be a good time to diversify - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.tailoredfp.com/blog/financial-planning-for-vacations</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-06-17</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/1717177666984-TI79UNWHDOKVLUP45OML/image-asset.jpeg</image:loc>
      <image:title>Blog - Financial Planning for Vacations - Planning ahead helps you set a budget, prioritize expenses, and save accordingly. Financial planning for vacations allows you to enjoy your trip without worrying about money and helps you make the most out of your travel time together!</image:title>
      <image:caption>It’s also a great way to prevent vacation spending remorse. If you don’t think ahead then it’s easy to overspend when your brain tells you “YOLO!”</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/c4c393cd-401e-4db2-8f29-0b9c3d499a42/Screenshot+2024-05-31+113439.jpg</image:loc>
      <image:title>Blog - Financial Planning for Vacations - Make it stand out</image:title>
      <image:caption>This is a chart of the USD vs. the Japanese Yen. Today’s rates are near 160 yen per dollar. Just four years ago, your dollar would only buy about 105 yen. Since your dollar buys more yen, then it’s much cheaper today to travel to Japan!</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/0a44be5e-61ff-4bb9-94ce-d6df31e2183a/Screenshot+2024-05-31+110349.jpg</image:loc>
      <image:title>Blog - Financial Planning for Vacations - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/48c6fb13-7fe4-46cb-9bbb-f4e8be2949f5/Resized_20181104_093905_7342.jpeg</image:loc>
      <image:title>Blog - Financial Planning for Vacations - Our family loves to hike Smith Rock when visiting Bend in October. It’s a regular trip!</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/1718658183615-KSP6MH064B9FV2Z6YBLM/image-asset.jpeg</image:loc>
      <image:title>Blog - Financial Planning for Vacations - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.tailoredfp.com/blog/education-financial-planning-a-tool-for-reducing-student-debt-before-it-starts</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-29</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/1716570776733-HTEYMFVPNTC24UWP5Y49/image-asset.jpeg</image:loc>
      <image:title>Blog - Education Financial Planning: A Tool for Reducing Student Debt Before It Starts - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.tailoredfp.com/blog/homeowners-how-to-budget-for-annual-home-maintenance</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-01</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/f62f7ad3-07d6-4ec2-8b26-5de100ae93dd/Hippo+Major+Home+Systems+picture.jpg</image:loc>
      <image:title>Blog - Homeowners: How to Budget for Annual Home Maintenance &amp;amp; Repairs - Make it stand out</image:title>
      <image:caption>Photo courtesy of Hippo Insurance.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/06ec4d83-5353-498c-974e-e922282c8df2/Home+Improvements+Infographic.jpg</image:loc>
      <image:title>Blog - Homeowners: How to Budget for Annual Home Maintenance &amp;amp; Repairs - Make it stand out</image:title>
      <image:caption>Over 2019-2021, the US Census with their American Housing Survey measured a median $5,000/yr spending on improvements to their home.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/1714601122411-E99373LKQD60HTHYPGJJ/image-asset.jpeg</image:loc>
      <image:title>Blog - Homeowners: How to Budget for Annual Home Maintenance &amp;amp; Repairs - Ah, the beauty of Oregon and the never-ending battle with moss.</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/3c4e653e-3c03-42ef-be98-918c38438923/IMG_20210618_200836_744.jpg</image:loc>
      <image:title>Blog - Homeowners: How to Budget for Annual Home Maintenance &amp;amp; Repairs - Our house in South Eugene needs lots of care, including yardwork on our 1/3 acre lot and tree-trimming. We added an A/C a few years ago to stay cool during our ever-hotter summers, and also had to replace the original garage door last year.</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/d8b41676-a5c0-42d2-a5da-b55fe847cec1/20240311-Delene.Co_StudioDay-AD-0285.jpg</image:loc>
      <image:title>Blog - Homeowners: How to Budget for Annual Home Maintenance &amp;amp; Repairs</image:title>
      <image:caption>Stacy Dervin, CFA, CFP® provides fee-only financial planning and investment management services in Eugene, Oregon. Tailored Financial Planning (TFP) serves clients as a fiduciary and never earns a commission of any kind. As a financial advisor, Stacy is on a mission to help Gen X and Gen Y be truly proactive about their financial futures.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.tailoredfp.com/blog/investing-amp-living-your-values-can-you-do-both-at-once</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-04</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/1711646314344-UOWDLI6NFBHYD7MQXD87/image-asset.jpeg</image:loc>
      <image:title>Blog - Investing &amp;amp; Living your Values: Can you do both at once? - The effects of unchecked capitalism can be felt far and wide across our country and planet. Some of those effects have been positive like personal freedom to own property, choose your own work and the opportunity to improve your station in life.</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/1711652897201-3S3GP5NJ0KR8CWPYA7R8/image-asset.jpeg</image:loc>
      <image:title>Blog - Investing &amp;amp; Living your Values: Can you do both at once? - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/bb7517c7-9f1c-4405-99e9-a643781ce740/stocks+and+bonds.jpg</image:loc>
      <image:title>Blog - Investing &amp;amp; Living your Values: Can you do both at once? - Make it stand out</image:title>
      <image:caption>Just like when you purchase a product or service from a company, when you invest in that company’s stock or bond with any amount of money, you are participating in and benefitting from the activities of that company. So, one reasonable question to ask yourself is, who do I want my spending or investing dollars to support?? Classical Economics believes that the answer to this question shouldn’t matter— that people make decisions only by maximizing profit. But there are more and more investors today who care quite a bit about the activities they support, especially as it relates to the climate impact and social impact of those activities.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/1712177969729-582BWQS7I3BQ0JCJBJZT/image-asset.jpeg</image:loc>
      <image:title>Blog - Investing &amp;amp; Living your Values: Can you do both at once? - Here are some examples of the types of environmental or social issues that investors have cared about historically:</image:title>
      <image:caption>Mining operations (ex. blood diamonds in Africa in early 2000s) Weapons manufacturers or Defense Companies Tobacco Companies Companies that use child labor (ex. shoe manufacturers in late 90s/early 2000s)</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/3a4df180-8a59-461e-86aa-d0e66cacc287/ESG.jpg</image:loc>
      <image:title>Blog - Investing &amp;amp; Living your Values: Can you do both at once? - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/cb54c621-9ef5-4545-8bda-9f15215d650f/green+bond.jpg</image:loc>
      <image:title>Blog - Investing &amp;amp; Living your Values: Can you do both at once? - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/1712252405243-KK0UV08LARMAQ8QR0QT6/image-asset.jpeg</image:loc>
      <image:title>Blog - Investing &amp;amp; Living your Values: Can you do both at once? - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.tailoredfp.com/blog/how-to-send-your-kid-to-college-in-oregon-funding-costs-and-strategies</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-03-04</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/1709428453399-U7N68STUDBMFNPC16MAF/image-asset.jpeg</image:loc>
      <image:title>Blog - How to Send Your Kid to College in Oregon: Funding Costs and Strategies</image:title>
      <image:caption>Most of the terror has come from the rising cost of college that we’ve seen in the last twenty years. From 2000-2021, average tuition and fees rose by 65%, from $8,661 to $14,307 a year.[1] And these figures are for tuition only, which doesn’t include cost of room and board, books and other expenses.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/e039da0f-6e6b-4d1c-b094-fa5e768b2518/U+of+O+Tuition+Chart.jpg</image:loc>
      <image:title>Blog - How to Send Your Kid to College in Oregon: Funding Costs and Strategies - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/3ce3a8c7-ebc0-4b54-a07f-66f62dbffd8b/Projected+Cost+of+College.jpg</image:loc>
      <image:title>Blog - How to Send Your Kid to College in Oregon: Funding Costs and Strategies</image:title>
      <image:caption>I’ve highlighted 2030 and 2032 because those are the years my two children, now age 10 and 12, will be starting college. Yikes!</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/1709572975196-68OUIAP7FAQFWSJEJ8SV/image-asset.jpeg</image:loc>
      <image:title>Blog - How to Send Your Kid to College in Oregon: Funding Costs and Strategies - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/1709430785189-070TITYZG4407PIKJZBF/image-asset.jpeg</image:loc>
      <image:title>Blog - How to Send Your Kid to College in Oregon: Funding Costs and Strategies</image:title>
      <image:caption>The SAI is what determines whether your child will receive any financial aid. If the cost of college is more than your SAI, then your child may be eligible for aid such as Pell Grants, work-study and other state-based grants.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/1709430897022-NVN6536REVRC82YIDL40/image-asset.jpeg</image:loc>
      <image:title>Blog - How to Send Your Kid to College in Oregon: Funding Costs and Strategies</image:title>
      <image:caption>Use this calculator to estimate how much federal student aid your child may be eligible to receive</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/1709573192744-AXZ1UOS88WZR7BL8P0GG/image-asset.jpeg</image:loc>
      <image:title>Blog - How to Send Your Kid to College in Oregon: Funding Costs and Strategies</image:title>
      <image:caption>Time to pay off that souped-up Subaru lease or loan. Little Timmy needs a college degree.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/1709573793131-JUVTDKJZ34Q9JECC5CAY/image-asset.jpeg</image:loc>
      <image:title>Blog - How to Send Your Kid to College in Oregon: Funding Costs and Strategies - If a grandparent or other generous relative is interested in helping to cover the cost of an education for your child, there are additional options outside of contributing to a 529 account.</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.tailoredfp.com/blog/5-financial-lessons-from-dr-martin-luther-king-jr</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-01-15</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/4166f4ad-3a19-426f-b3c8-8ee29b3d8c72/image-asset.jpg</image:loc>
      <image:title>Blog - 5 Financial Lessons from Dr. Martin Luther King Jr. - The campaign wanted the federal government to provide jobs, unemployment insurance, a fair minimum wage, and education for poor adults and children. “Desegregation and the right to vote were essential, but King believed that African Americans and other minorities would never enter full citizenship until they had economic security.”</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/1705344212687-38QAL1I92UJ7YD60GZ3N/image-asset.jpeg</image:loc>
      <image:title>Blog - 5 Financial Lessons from Dr. Martin Luther King Jr. - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/83f8ee6d-a061-4109-b5f8-bd83b358a4c7/Screenshot+2024-01-15+105141.jpg</image:loc>
      <image:title>Blog - 5 Financial Lessons from Dr. Martin Luther King Jr. - Lynnette Khalfani-Cox is a personal finance expert and co-founder of the free financial advice site AskTheMoneyCoach.com. She recently published her latest book, Bounce Back: The Ultimate Guide to Financial Resilience. You can find her on Instagram @lynnettekhalfanicox and her website here.</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.tailoredfp.com/blog/how-to-make-the-most-of-the-massive-2023-oregon-kicker</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-12-28</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/1703726607918-E18XM4XGUA2DCJW5XAM4/image-asset.jpeg</image:loc>
      <image:title>Blog - How to Make the Most of the Massive 2023 Oregon Kicker - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/1703723999853-M18U6CGW0GICULX7XZSQ/image-asset.jpeg</image:loc>
      <image:title>Blog - How to Make the Most of the Massive 2023 Oregon Kicker - How to Calculate Your Kicker</image:title>
      <image:caption>Multiple 44.28% by the amount on line 22 of your 2022 OR-40 tax return.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/1703727033715-F3FXPM6HE4MVGK5AILWM/image-asset.jpeg</image:loc>
      <image:title>Blog - How to Make the Most of the Massive 2023 Oregon Kicker - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.tailoredfp.com/blog/how-to-start-saving-for-college-in-oregon</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-12-05</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/04bc7356-acfa-488c-88c4-c19fc58cfc04/DSC06256.JPG</image:loc>
      <image:title>Blog - How to Start Saving for College in Oregon - You know I can’t turn down a chance to share a picture of my own baby. Here is Avie at 4 months old in a sweater I knit.</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/1701741022350-ZK7VPFSTG5MDW25F89QC/image-asset.jpeg</image:loc>
      <image:title>Blog - How to Start Saving for College in Oregon</image:title>
      <image:caption>Computers are an eligible expense to pay for from a 529 account.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/1701739302982-C0ABN5HV7BJJW6CQTQ60/image-asset.jpeg</image:loc>
      <image:title>Blog - How to Start Saving for College in Oregon</image:title>
      <image:caption>A one-time gift of $100 to a baby’s 529 account could grow to $316 by the time they are 18 (assuming a 7% annualized return for 17 years).</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/663a80cf-8ecb-40b3-a55f-c0e6431a6d88/tax+benefits+for+income+bracket.png</image:loc>
      <image:title>Blog - How to Start Saving for College in Oregon - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/2f6a3d32-74a1-49b5-b993-46ee6138be03/099e22cf93a7f893520f96b5992c0875.jpg</image:loc>
      <image:title>Blog - How to Start Saving for College in Oregon</image:title>
      <image:caption>Click on the photo to learn more about the 520 to Roth rollover strategy from Yahoo Finance.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/2a82af85-ac3d-4525-9e91-51d9183330ee/Oregon+College+Savings+Asset+Allocation.jpg</image:loc>
      <image:title>Blog - How to Start Saving for College in Oregon - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.tailoredfp.com/blog/stuck-in-the-middle-with-you</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-12-04</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/ad08c4a3-52b7-4d12-a109-22ea5dd03685/My+mission+is+to+bring+you+valuable+money+advice+and+education%2C+exchanging+your+worry+and+stress+for+clarity+and+confidence.+%28720+%C3%97+720+px%29+%281%29.jpg</image:loc>
      <image:title>Blog - Stuck in the Middle with You - Our home lies at the foothills of Spencer Butte in Eugene, Oregon.</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/7a124a6b-ef14-40b1-8cdb-abbbfaa1785d/IMG_0784.JPG</image:loc>
      <image:title>Blog - Stuck in the Middle with You</image:title>
      <image:caption>The young Dervin family in Florence, Oregon circa. 2014. I’m hiding my severe fear of tsunamis behind my smile.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/093fd5eb-eff8-4042-b7a8-f1ef317a3ed1/20190122_162502.jpg</image:loc>
      <image:title>Blog - Stuck in the Middle with You - Make it stand out</image:title>
      <image:caption>Some of the kids of Eco Kids Village, the in-home daycare we operated from 2017-2020.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/0f906059-abf6-425b-991c-7e5703c963c1/20231024_152816.jpg</image:loc>
      <image:title>Blog - Stuck in the Middle with You</image:title>
      <image:caption>I like to collect snarky magnets that make me laugh.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/8653c2e3-549b-465d-918a-8f5ecb6311ae/20221204_110541+%281%29.jpg</image:loc>
      <image:title>Blog - Stuck in the Middle with You - Make it stand out</image:title>
      <image:caption>We celebrate Christmas and get our tree each year from the beautiful Albertson’s parking lot on 18th and Chambers. Also, this is our dog Ellie.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.tailoredfp.com/blog/self-employment-series-pros-and-cons-of-working-for-yourself</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-10-28</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/136bf151-25a4-4321-a8ab-610c3d46fa52/14.png</image:loc>
      <image:title>Blog - Self-Employment Series: Pros and Cons of Working for Yourself</image:title>
      <image:caption>Whether you already own your own business and want to reevaluate, or are thinking of joining the ranks of the self-employed, here are some of the benefits and drawbacks of working for yourself. (I’ll start with the “cons” because I’m a realist and also want to end on a high note)</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/1698091748947-7EYRQR0EVFFTAG097XZG/image-asset.jpeg</image:loc>
      <image:title>Blog - Self-Employment Series: Pros and Cons of Working for Yourself</image:title>
      <image:caption>That hammock on the beach might be a few years off.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/67a408a7-3bab-4b01-90f3-bc53c60cad72/Blog+post+photos+%281%29.jpg</image:loc>
      <image:title>Blog - Self-Employment Series: Pros and Cons of Working for Yourself - Make it stand out</image:title>
      <image:caption>https://www.thoughtco.com/maslows-hierarchy-of-needs-4582571</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/06659ada-b6a2-4cad-863c-08a023d3d6d0/Blog+post+photos+%282%29.jpg</image:loc>
      <image:title>Blog - Self-Employment Series: Pros and Cons of Working for Yourself - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/977c889b-4f32-454b-a1d1-40cb4be02b92/13.png</image:loc>
      <image:title>Blog - Self-Employment Series: Pros and Cons of Working for Yourself - When you work for yourself, make sure to be a good boss to yourself and celebrate all the small wins!</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/1698431707532-TV04UOJK2IFE02F3JCJ2/image-asset.jpeg</image:loc>
      <image:title>Blog - Self-Employment Series: Pros and Cons of Working for Yourself - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.tailoredfp.com/blog/the-scary-world-of-financial-advice</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-10-10</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/1696896875634-GN8W88XBU90AYUR87B78/image-asset.jpeg</image:loc>
      <image:title>Blog - The Scary World of Financial Advice - Make it stand out</image:title>
      <image:caption>I’m a skeptic by nature, but I’d like to think there are some very nice people out there doing reiki energy healing. I just wouldn’t rely on them for financial advice.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/1696896958535-JQOMDE0A65EGNDAYJ7G1/image-asset.jpeg</image:loc>
      <image:title>Blog - The Scary World of Financial Advice - Make it stand out</image:title>
      <image:caption>I still remember the acidic sweetness of SpaghettiOs from my childhood…something my kids have not yet experienced (and probably won’t unless it’s a zombie apocalypse situation).</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/1696897167526-QWUJISDNEVHGMW5W4JGE/image-asset.jpeg</image:loc>
      <image:title>Blog - The Scary World of Financial Advice - Make it stand out</image:title>
      <image:caption>Dear government financial overlords—we need one rule to name them all!!</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.tailoredfp.com/blog/why-compound-interest-is-the-8th-wonder-of-the-world</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-01-10</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/02420e4e-cb77-468e-9347-1cf7cdaaf2fc/2.jpg</image:loc>
      <image:title>Blog - Why Compound Interest is the 8th Wonder of the World - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/1704924253533-ZHR68SVYU4FXP85ILSFG/GettyImages-1358670853.jpg</image:loc>
      <image:title>Blog - Why Compound Interest is the 8th Wonder of the World - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/1696425803537-82368TF4BEIVIWNXK1DG/image-asset.jpeg</image:loc>
      <image:title>Blog - Why Compound Interest is the 8th Wonder of the World</image:title>
      <image:caption>Now here is a civilization that could stick with a long term investment strategy.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/49af941e-5d5c-4677-9148-5d5ddc51ce7a/Compound+Interest-+40+years.jpg</image:loc>
      <image:title>Blog - Why Compound Interest is the 8th Wonder of the World - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/8299986a-395c-4ccd-a853-f2ed78c07ad6/1.jpg</image:loc>
      <image:title>Blog - Why Compound Interest is the 8th Wonder of the World</image:title>
      <image:caption>Uncle Bill’s desk from 1979. Canva needs to update their stock photo choices.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/2eab968c-3ef0-47ef-8500-dde58b0d9bf7/Spending+Power+Multiples.jpg</image:loc>
      <image:title>Blog - Why Compound Interest is the 8th Wonder of the World - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/31edec4f-fdc1-441a-b521-7c0a0a829e5c/Cost+of+Borrowing+%241000.jpg</image:loc>
      <image:title>Blog - Why Compound Interest is the 8th Wonder of the World - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/1696526691354-C6CFBLX82JLN096Q4TZK/image-asset.jpeg</image:loc>
      <image:title>Blog - Why Compound Interest is the 8th Wonder of the World - Make it stand out</image:title>
      <image:caption>Inspired man about to crush his credit card debt and embrace the 8th Wonder of the World.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.tailoredfp.com/blog/whats-your-money-mindset</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-10-05</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/e503a0f6-11b9-4f37-b6b8-3850744d6196/DSCN4590.jpg</image:loc>
      <image:title>Blog - What’s Your Money Mindset? - Gratuitous photo of me (Stacy) being my unique self in grade school.</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/3920c95e-ea04-49dc-84ba-ca0340ab91b1/The+four+money+scripts.png</image:loc>
      <image:title>Blog - What’s Your Money Mindset? - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/801f482a-24eb-4fad-b680-c4b44e813406/Bruce_Wayne_%28Michael_Keaton%29.jpg</image:loc>
      <image:title>Blog - What’s Your Money Mindset? - I can’t read the word vigilance without thinking of my favorite vigilante superhero, Batman.</image:title>
      <image:caption>I can’t read the word vigilance without thinking of my favorite vigilante superhero, Batman.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/230fa7d9-4ad9-4105-974c-8fe0c2b65b60/3.jpg</image:loc>
      <image:title>Blog - What’s Your Money Mindset? - I’m a pretty basic American who equates buying stuff at Target with happiness.</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.tailoredfp.com/blog/stacys-real-world-financial-education-three-lessons-learned</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-10-05</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/bf1baee3-d9ff-4bb3-9699-3a84e3010e13/DSC00818.JPG</image:loc>
      <image:title>Blog - Stacy’s “Real World” Financial Education: Three Lessons Learned - Make it stand out</image:title>
      <image:caption>Baby Stacy and Ted in Naxos, Greece on honeymoon in August 2008.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/1696536663502-4I55HPMFMXR2NY3VILP5/image-asset.jpeg</image:loc>
      <image:title>Blog - Stacy’s “Real World” Financial Education: Three Lessons Learned - Make it stand out</image:title>
      <image:caption>When an individual keeps their “powder dry”, it means they are holding at least some of their personal net worth in cash or marketable securities that can be drawn on quickly for spending needs or to invest at lower prices.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/b92c9803-5abf-4012-9b7e-94c69f522aa5/20161026_133608.jpg</image:loc>
      <image:title>Blog - Stacy’s “Real World” Financial Education: Three Lessons Learned - Make it stand out</image:title>
      <image:caption>View from one of my meetings in NYC.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/1694794115228-EZ5I8KAZKLQTA7IXMDMY/image-asset.jpeg</image:loc>
      <image:title>Blog - Stacy’s “Real World” Financial Education: Three Lessons Learned - Make it stand out</image:title>
      <image:caption>“Fearless girl” statue stares down the “Charging Bull” outside the New York Stock Exchange.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.tailoredfp.com/blog/category/Retirement+Planning</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.tailoredfp.com/blog/category/Tax+Planning</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.tailoredfp.com/blog/category/Open+Enrollment</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.tailoredfp.com/blog/category/Small+Business+Owners</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.tailoredfp.com/blog/category/Financial+Goalsetting</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.tailoredfp.com/blog/category/Firm+Process</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.tailoredfp.com/blog/category/Financial+Literacy</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.tailoredfp.com/blog/category/Self-Employment</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.tailoredfp.com/blog/category/Business+Planning</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.tailoredfp.com/blog/category/About+Me</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.tailoredfp.com/blog/category/Education+Planning</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.tailoredfp.com/blog/category/debt+management</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.tailoredfp.com/blog/category/Cash+Flow+%26+Budgeting</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.tailoredfp.com/blog/category/student+loans</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.tailoredfp.com/blog/category/Financial+Planning+for+Couples</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.tailoredfp.com/blog/tag/Financial+Industry</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.tailoredfp.com/blog/tag/Retirement+Planning</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.tailoredfp.com/blog/tag/Business+Owners</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.tailoredfp.com/blog/tag/Tax+Planning</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.tailoredfp.com/blog/tag/Money+Values</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.tailoredfp.com/blog/tag/Investing</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.tailoredfp.com/blog/tag/Homeownership</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.tailoredfp.com/blog/tag/Parents</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.tailoredfp.com/blog/tag/Financial+History</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.tailoredfp.com/blog/tag/Financial+Psychology</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.tailoredfp.com/blog/tag/Small+Business+Planning</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.tailoredfp.com/blog/tag/Busy+Families</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.tailoredfp.com/blog/tag/Sinking+Funds</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.tailoredfp.com/blog/tag/Financial+Wellness</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.tailoredfp.com/blog/tag/Impact+Investing</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.tailoredfp.com/blog/tag/About+Me</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.tailoredfp.com/blog/tag/Lessons+Learned</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.tailoredfp.com/blog/tag/Education+Planning</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.tailoredfp.com/blog/tag/Money++Mindset</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.tailoredfp.com/blog/tag/ESG</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.tailoredfp.com/blog/tag/Financial+Planning</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.tailoredfp.com/blog/tag/Financial+Education</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.tailoredfp.com/blog/tag/Self-Employment+Series</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.tailoredfp.com/blog/tag/Student+Loans</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.tailoredfp.com/home</loc>
    <changefreq>daily</changefreq>
    <priority>1.0</priority>
    <lastmod>2026-03-26</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/1838a909-01fb-4c93-aeaf-4d6433fc44ef/image-asset.jpg</image:loc>
      <image:title>Home</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/1692042795366-5JXJHIHJNTY3NHNT5F0M/image-asset.jpeg</image:loc>
      <image:title>Home</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/0ed9e71a-3d06-4a64-b735-b88b8c8699c2/image-asset.jpg</image:loc>
      <image:title>Home</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/6c7c69e9-490c-40f8-b2e1-c7c05fe063ea/Tailored.jpg</image:loc>
      <image:title>Home</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/1761351995222-N7YI00156U4F4GN6QCFO/image-asset.jpeg</image:loc>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/84e845ad-35a0-4104-994a-09e5bc87cb7b/20240311-Delene.Co_StudioDay-AD-0285.jpg</image:loc>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/9341c65d-a60a-4479-9d03-e70057166a16/Tailored.jpg</image:loc>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/aa6ff2fb-583f-4858-a4f2-f9077befd09a/newsweek.png</image:loc>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/760daec5-6ad2-421d-a8c5-60c6c0888901/yahoo+finance.png</image:loc>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/47460f34-7fe6-486e-a15e-ca52568ed63d/Screenshot+2024-03-25+083524.png</image:loc>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/e6e3728c-508f-41c9-b66f-048a272acc3a/Screenshot+2025-10-29+130952.jpg</image:loc>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/2e48eca8-c168-4af0-a798-c4869648bb51/nasdaq.png</image:loc>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/81368dc5-3418-423c-a506-1fdd16b68b88/us+news.png</image:loc>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/999d8ace-0a9a-4568-8f0c-4de74085866e/fon-standard-color-logo-png-1000-240.png</image:loc>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/54773564-d391-4a79-9401-fb60deba6a14/XYPN-Logo-400x300.jpg</image:loc>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/ef1b64cc-4964-4779-b211-093f107a5fa5/CFP_Logo_SolidGold_Outline_Horiz_Stk.jpg</image:loc>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/cada0238-1cb9-4ebe-932a-32a775e69a44/NAPFA-Power-of-Trust-logo-350x200.jpg</image:loc>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/d5a62407-145f-496e-8e4f-79f3e24b9136/cfa-logo.png</image:loc>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/999d8ace-0a9a-4568-8f0c-4de74085866e/fon-standard-color-logo-png-1000-240.png</image:loc>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/c9bad1c1-1305-4bf3-acb4-b2c91f682ddb/20230912_110808-EDIT.jpg</image:loc>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/101e49f5-341f-443b-8435-0dafb8463418/6.png</image:loc>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/ded4261f-0024-4e49-8e32-af9e3911f0df/8.png</image:loc>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/c5659a7d-34b2-43ae-9774-903181aa3dec/7.png</image:loc>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/41d41a4d-799f-4540-9f02-15ae1479f4a5/9.png</image:loc>
    </image:image>
  </url>
  <url>
    <loc>https://www.tailoredfp.com/about</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-10-29</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/906d804f-01d7-47e4-8d6c-28d5adadb523/image-asset.jpg</image:loc>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/1694718511844-MNHC0TI8UY61ZGYBVHLW/image-asset.jpeg</image:loc>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/1696873313592-JNIA40WKZLLKKAXCREKQ/image-asset.jpeg</image:loc>
    </image:image>
  </url>
  <url>
    <loc>https://www.tailoredfp.com/contact</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-08-02</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/69f27071-e3b8-4a8b-8412-8feb0fd989ef/20230912_110120-EDIT.jpg</image:loc>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/1696889278680-1QCG0A9XKSO5Y12PZ2WI/image-asset.jpeg</image:loc>
    </image:image>
  </url>
  <url>
    <loc>https://www.tailoredfp.com/overview</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2024-08-06</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/a0b27236-50c5-4dc8-91b3-8f76fcc211f8/10.png</image:loc>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/c6020eb2-895e-4397-a058-0f772f25cd4a/11.png</image:loc>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/7240abb4-3c37-43e4-a430-ba163c78fed7/12.png</image:loc>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/69f27071-e3b8-4a8b-8412-8feb0fd989ef/20230912_110120-EDIT.jpg</image:loc>
    </image:image>
  </url>
  <url>
    <loc>https://www.tailoredfp.com/financial-planning</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2026-03-26</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/1696884259907-LF3FDF0807I0EYAQW15K/image-asset.jpeg</image:loc>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/7adde2e7-486c-4b02-b228-7a3dabe5bf38/Ongoing+Financial+Planning+Timeline.jpg</image:loc>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/dca62c29-ac88-41a0-a69c-96cfbc73d0c6/Screenshot+2026-03-26+111146.jpg</image:loc>
    </image:image>
  </url>
  <url>
    <loc>https://www.tailoredfp.com/investment-management</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2026-03-26</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/f75c7af1-db91-4455-b7c5-7b2ea5ec3944/Assets+Under+Management+%281%29.jpg</image:loc>
    </image:image>
  </url>
  <url>
    <loc>https://www.tailoredfp.com/pricing</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2026-03-26</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/a0b27236-50c5-4dc8-91b3-8f76fcc211f8/10.png</image:loc>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/c6020eb2-895e-4397-a058-0f772f25cd4a/11.png</image:loc>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/abc3ca4f-ea22-4965-8552-4f7397436f2d/Assets+Under+Management+%281%29.jpg</image:loc>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/69f27071-e3b8-4a8b-8412-8feb0fd989ef/20230912_110120-EDIT.jpg</image:loc>
    </image:image>
  </url>
  <url>
    <loc>https://www.tailoredfp.com/stacy-dervin</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-10-29</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/22372441-59c6-4d6b-b2f8-4c734e1bd63e/20230912_111542-EDIT.jpg</image:loc>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/c057af3a-a562-4b41-af4a-809e5c51b04e/20240311-Delene.Co_StudioDay-AD-1440.jpg</image:loc>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/969f94c6-25ac-44d9-9ed7-75d844ed5523/700_7431.jpg</image:loc>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/bfbb7986-04b3-491b-a52a-cbfd0f4c085c/9DAA0C83-D6F5-4A44-9F5F-D52DD9EAF975_VSCO.jpg</image:loc>
    </image:image>
  </url>
  <url>
    <loc>https://www.tailoredfp.com/faqs</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2026-03-26</lastmod>
  </url>
  <url>
    <loc>https://www.tailoredfp.com/client-experience</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-10-24</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/39cb399a-4003-45a6-859d-8d54d6438d72/700_7431.jpg</image:loc>
      <image:title>Client Experience</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/249fdb80-94ff-445c-8c30-1823290c1a4d/20250731-Tailored_AthenaDelene-AD-0049.jpg</image:loc>
      <image:title>Client Experience</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/b512942f-15d8-4036-9052-81072a685139/700_7454.jpg</image:loc>
      <image:title>Client Experience</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/35c9cd41-0d88-4e1a-9628-434c855889ea/700_7481.jpg</image:loc>
      <image:title>Client Experience</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/34a711ad-e534-4372-a564-bad178e47109/20250731-Tailored_AthenaDelene-AD-0353.jpg</image:loc>
      <image:title>Client Experience</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/22d1b28b-e4d6-44ed-a8e7-1358cee71e3b/20250731-Tailored_AthenaDelene-AD-0289.jpg</image:loc>
      <image:title>Client Experience</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/4e7ebc47-d4c0-4c1a-b1c1-b96b5d5b3f99/ALTERNATE+NAME</image:loc>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64d9215196a44455a5e2b158/5135a305-a892-4264-a17f-2c27b463104a/20240311-Delene.Co_StudioDay-AD-0001.jpg</image:loc>
    </image:image>
  </url>
</urlset>

