<?xml version="1.0" encoding="UTF-8"?><?xml-stylesheet type="text/xsl" href="//www.professionalplanner.com.au/main-sitemap.xsl"?>
<urlset xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:image="http://www.google.com/schemas/sitemap-image/1.1" xsi:schemaLocation="http://www.sitemaps.org/schemas/sitemap/0.9 http://www.sitemaps.org/schemas/sitemap/0.9/sitemap.xsd http://www.google.com/schemas/sitemap-image/1.1 http://www.google.com/schemas/sitemap-image/1.1/sitemap-image.xsd" xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">
	<url>
		<loc>https://www.professionalplanner.com.au/2014/07/asic-permanently-bans-queensland-financial-adviser/</loc>
		<lastmod>2014-07-22T01:30:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/07/asic-acts-on-licensees-failing-to-lodge-annual-statements/</loc>
		<lastmod>2014-07-22T01:28:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/07/poll-with-fofa-regulations-now-passed-can-planners-face-the-future-with-confidence/</loc>
		<lastmod>2014-07-21T04:20:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/07/australian-regulation-of-financial-advice-lags-in-protecting-investors-but-there-is-a-fast-catch-up/</loc>
		<lastmod>2014-07-21T02:21:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/06/born-again-the-advice-industry-is-set-for-a-radical-transformation/</loc>
		<lastmod>2014-07-21T02:02:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/05/new-financial-planning-training-to-transcend-outdated-pd-days-fortnum/</loc>
		<lastmod>2014-07-21T01:59:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/07/outcome-based-advice-or-broken-dreams/</loc>
		<lastmod>2014-07-21T01:56:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/07/new-pjc-inquiry-could-provide-the-missing-pieces-in-the-professionalism-puzzle/</loc>
		<lastmod>2014-07-20T19:45:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/07/bt-financial-group-calls-for-tougher-central-register-of-financial-planners/</loc>
		<lastmod>2014-07-18T06:45:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/07/enhanced-financial-planners-register-seen-favourably-by-spaa/</loc>
		<lastmod>2014-07-18T06:44:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/07/proportion-of-engaged-super-members-hits-three-year-high-baby-boomers-most-engaged-generation/</loc>
		<lastmod>2014-07-18T06:42:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/07/lonsec-infrastructure-outperforms-long-term-forecasts/</loc>
		<lastmod>2014-07-18T06:34:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/07/cba-mandates-cfp-certification-for-all-senior-planners-from-2017/</loc>
		<lastmod>2014-07-18T04:30:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/07/life-insurance-risk-market-inflows-up-13-2-over-year-to-march-2014/</loc>
		<lastmod>2014-07-17T07:22:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/07/growing-generosity-of-wealthy-australians/</loc>
		<lastmod>2014-07-17T07:17:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/07/new-register-of-financial-advisers-will-increase-transparency-for-consumers/</loc>
		<lastmod>2014-07-17T07:15:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/07/public-register-of-advisers-will-enhance-consumer-protection/</loc>
		<lastmod>2014-07-17T07:14:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/07/senator-cormann-announcement-on-register-of-financial-advisers-working-group/</loc>
		<lastmod>2014-07-17T07:13:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/07/research-houses-and-platforms-follow-strong-investor-interest-in-qv-equities-limited/</loc>
		<lastmod>2014-07-17T07:09:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/07/fofa-regulations-stand-australian-bankers-association/</loc>
		<lastmod>2014-07-17T07:07:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/07/morningstar-announces-australian-superannuation-survey-to-30-june-2014/</loc>
		<lastmod>2014-07-17T07:05:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/07/findex-says-murray-report-focus-on-the-benefits-of-independent-advice-a-positive-move-for-both-industry-and-consumers/</loc>
		<lastmod>2014-07-17T06:53:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/07/no-easy-ride-for-cba-advisers-say-associations/</loc>
		<lastmod>2014-07-17T19:30:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/07/forced-separation-of-product-from-advice-wouldnt-worry-us-murray/</loc>
		<lastmod>2014-07-17T19:45:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/07/poll-will-disallowing-fofa-regulations-increase-certainty-for-financial-planning-businesses/</loc>
		<lastmod>2014-07-15T08:31:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/07/deal-with-minor-parties-sees-fofa-regulations-allowed-with-more-to-come/</loc>
		<lastmod>2014-07-15T19:55:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/07/afa-thanks-senators-and-members-for-fofa-outcome/</loc>
		<lastmod>2014-07-15T08:17:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/07/financial-system-inquiry-focuses-on-variability-of-quality-as-biggest-advice-issue/</loc>
		<lastmod>2014-07-15T08:16:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/07/smsf-administration-coming-into-its-own-as-trustees-demand-better-investment-reporting/</loc>
		<lastmod>2014-07-15T19:15:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/07/statement-from-fiig-securities-ceo-mark-paton-on-financial-system-inquiry-interim-report/</loc>
		<lastmod>2014-07-15T06:01:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/07/actuaries-institute-welcomes-fsi-focus-on-retirement-income-policy/</loc>
		<lastmod>2014-07-15T06:00:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/07/industry-or-professionthe-difference-matters/</loc>
		<lastmod>2014-07-15T19:15:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/07/challenger-fsi-interim-report-is-a-brutally-honest-account-of-retirement-system-failings/</loc>
		<lastmod>2014-07-15T04:55:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/07/spaa-backs-fsi-call-to-improve-the-quality-of-financial-advice/</loc>
		<lastmod>2014-07-15T04:54:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/07/spaa-to-show-fsi-why-there-should-be-no-barriers-to-setting-up-an-smsf/</loc>
		<lastmod>2014-07-15T04:53:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/07/fpa-encouraged-by-fsi-interim-report/</loc>
		<lastmod>2014-07-15T04:51:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/07/aba-murray-report-sets-scene-for-australias-future/</loc>
		<lastmod>2014-07-15T04:50:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/07/consumer-action-law-centre-murray-inquiry-focus-on-fairness-welcome-for-consumers/</loc>
		<lastmod>2014-07-15T04:47:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/07/betashares-appoints-chief-economist-david-bassanese/</loc>
		<lastmod>2014-07-15T04:42:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/07/equity-investors-have-10-good-reasons-to-be-active-rather-than-passive-says-alliancebernstein/</loc>
		<lastmod>2014-07-15T03:59:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/07/murray-inquiry-report-confirms-bank-fee-rort/</loc>
		<lastmod>2014-07-15T01:42:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2012/03/professional-planner-podcasts/</loc>
		<lastmod>2014-07-14T06:45:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/07/a-reliance-on-alchemy-will-leave-financial-planning-in-dire-straits/</loc>
		<lastmod>2014-07-14T01:45:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/06/poll-would-a-royal-commission-to-investigate-commonwealth-financial-planning-be-a-useful-exercise/</loc>
		<lastmod>2014-07-13T23:31:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/07/cfpl-reveals-all-staff-to-join-an-industry-association-by-2015/</loc>
		<lastmod>2014-07-13T22:57:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/07/if-regulations-are-disallowed-whats-the-future-under-fofa/</loc>
		<lastmod>2014-07-13T19:45:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/07/back-to-basics-life-insurance-sector-must-harness-greater-levels-of-simplicity/</loc>
		<lastmod>2014-07-13T19:30:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/07/hedged-infrastructure-funds-worth-considering-says-zenith/</loc>
		<lastmod>2014-07-11T08:07:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/07/zurich-expands-and-strengthens-life-risk-sales-team-with-key-appointments/</loc>
		<lastmod>2014-07-11T07:50:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/07/auditflow-integrates-to-class-application-for-auditing-of-smsfs/</loc>
		<lastmod>2014-07-11T07:48:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/07/john-brogden-to-depart-fsc-at-the-end-of-the-year/</loc>
		<lastmod>2014-07-11T07:38:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/07/cba-appoints-the-hon-ian-callinan-ac-as-chairman-of-open-advice-review-program/</loc>
		<lastmod>2014-07-11T07:37:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/07/parliamentary-inquiry-must-focus-on-the-future-and-the-past-fsc-says/</loc>
		<lastmod>2014-07-10T06:48:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/07/aima-australia-appoints-new-general-manager/</loc>
		<lastmod>2014-07-10T06:46:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/07/financial-planner-calls-for-catch-up-contributions-cap/</loc>
		<lastmod>2014-07-10T06:42:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/07/yellow-brick-roads-acquisition-of-resi-mortgage-corporation/</loc>
		<lastmod>2014-07-10T06:39:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/07/anchors-aweigh-how-to-stop-your-investment-decisions-being-all-at-sea/</loc>
		<lastmod>2014-07-10T19:30:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/07/appetite-for-international-investments-grows-year-on-year/</loc>
		<lastmod>2014-07-10T05:00:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/07/australian-students-score-well-in-pisa-financial-literacy-test-but-more-to-be-done-asic/</loc>
		<lastmod>2014-07-10T02:59:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/07/labor-calls-for-parliamentary-inquiry-into-financial-advice-wants-certainty-for-planners/</loc>
		<lastmod>2014-07-09T21:55:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/07/introducing-venus-why-are-we-still-talking-about-women/</loc>
		<lastmod>2014-07-09T05:39:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/07/appointment-of-members-to-the-financial-reporting-council/</loc>
		<lastmod>2014-07-08T23:41:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/07/next-gen-financial-planners-have-big-mountains-to-climb/</loc>
		<lastmod>2014-07-08T19:50:30+00:00</lastmod>
		<image:image>
			<image:loc>https://www.professionalplanner.com.au/wp-content/uploads/2014/07/SHIELDS_Erin-600x300.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/07/in-regulation-and-compensation-remember-the-services-bit-in-financial-services/</loc>
		<lastmod>2014-07-08T19:30:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/07/mortgage-choice-celebrates-its-high-achievers/</loc>
		<lastmod>2014-07-08T06:58:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/07/rest-industry-super-delivers-double-digit-returns-for-members-for-second-consecutive-year/</loc>
		<lastmod>2014-07-08T06:47:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/07/award-winning-licensee-joins-managed-account-movement/</loc>
		<lastmod>2014-07-08T06:41:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/06/feature-nabs-hagger-on-fish-and-chips-madonna-and-closing-the-retirement-gap/</loc>
		<lastmod>2014-07-08T06:17:17+00:00</lastmod>
		<image:image>
			<image:loc>https://www.professionalplanner.com.au/wp-content/uploads/2014/06/HAGGER_Andrew_CROPPED600x400.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/06/young-female-planner-wins-first-gwen-fletcher-memorial-award/</loc>
		<lastmod>2014-07-08T05:09:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/06/poll-would-a-royal-commission-to-investigate-commonwealth-financial-planning-cfpl-be-a-useful-exercise/</loc>
		<lastmod>2014-07-08T02:19:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/07/asic-reports-on-fee-disclosure-practices-for-super-and-managed-investments/</loc>
		<lastmod>2014-07-08T02:04:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/07/1-7-billion-of-new-money-flows-into-exchange-traded-products/</loc>
		<lastmod>2014-07-08T01:56:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/07/investec-australia-launches-bonus-points-credit-card-offer-for-ifas/</loc>
		<lastmod>2014-07-08T01:47:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/07/principal-interests-of-financial-planners/</loc>
		<lastmod>2014-07-07T05:53:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/07/roy-morgan-research-shows-smsf-members-engaged-with-their-super/</loc>
		<lastmod>2014-07-07T05:16:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/07/an-open-letter-to-fpa-chair-matthew-rowe-from-the-aiofp/</loc>
		<lastmod>2014-07-06T23:55:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/07/exclusiveshock-and-rage-at-financial-planning-association-ultimatum-to-cba-group/</loc>
		<lastmod>2014-07-06T20:54:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/07/nz-retail-managed-funds-increased-by-1-6bn-during-march-quarter-2014/</loc>
		<lastmod>2014-07-04T09:29:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/07/active-extension-funds-thrive-in-current-market-environment/</loc>
		<lastmod>2014-07-04T09:22:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/07/cycle-of-qe-indefinite-hold-equities/</loc>
		<lastmod>2014-07-04T09:18:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/07/afs-licence-of-financial-technology-securities-pty-ltd/</loc>
		<lastmod>2014-07-04T09:16:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/07/misleading-or-deceptive-conduct-and-the-financial-adviser/</loc>
		<lastmod>2014-07-06T19:40:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/07/cba-must-improve-financial-planning-boost-compensation-fpa/</loc>
		<lastmod>2014-07-04T06:20:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/07/ifaaa-trademarks-the-gold-standard-of-independence/</loc>
		<lastmod>2014-07-03T15:15:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/07/tal-tackles-gender-inequality-pay-gap-closed/</loc>
		<lastmod>2014-07-03T10:57:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/07/cba-breaks-cover-to-announce-expanded-advice-victim-compensation-scheme/</loc>
		<lastmod>2014-07-03T19:50:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/07/industry-leading-financial-planning-practice-signs-declaration-of-independence/</loc>
		<lastmod>2014-07-03T15:00:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/07/asic-permanently-bans-former-south-australian-financial-adviser/</loc>
		<lastmod>2014-07-03T04:07:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/07/clearview-announces-distribution-appointments/</loc>
		<lastmod>2014-07-03T04:05:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/07/senate-report-doesnt-go-far-enough-to-protect-consumers/</loc>
		<lastmod>2014-07-03T04:01:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/07/asic-permanently-bans-victorian-insurance-broker/</loc>
		<lastmod>2014-07-03T03:56:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/07/englands-world-cup-and-financial-planning-what-if-this-is-as-good-as-it-gets/</loc>
		<lastmod>2014-07-01T19:35:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/07/new-strategic-role-at-life-insurer-tal/</loc>
		<lastmod>2014-07-01T05:31:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/07/barrack-street-investments-to-allow-smsfs-to-access-high-quality-small-and-mid-cap-asx-stocks/</loc>
		<lastmod>2014-07-01T05:30:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/07/2014-so-far-so-good-but-is-this-the-calm-before-a-storm/</loc>
		<lastmod>2014-07-01T19:40:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/07/financial-planning-licensees-pursuing-merger-led-growth-should-tread-carefully/</loc>
		<lastmod>2014-07-01T19:50:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/07/former-wealthsure-financial-adviser-jailed-for-500000-fraud/</loc>
		<lastmod>2014-07-01T02:18:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/07/fofa-regulations-finally-made/</loc>
		<lastmod>2014-06-30T22:53:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/07/tpb-releases-final-policies-for-tax-financial-advisers/</loc>
		<lastmod>2014-06-30T22:41:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/07/solid-economic-growth-expected-to-continue-in-201415/</loc>
		<lastmod>2014-06-30T20:00:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/06/financial-planning-regulator-suggests-royal-commission-could-stretch-already-tight-budgets/</loc>
		<lastmod>2014-06-29T19:55:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/06/royal-commission-welcome-compensation-regime-must-start-now-for-victims-of-poor-financial-advice-from-commonwealth-financial-planning-ltd/</loc>
		<lastmod>2014-06-27T06:43:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/06/former-investment-manager-jailed/</loc>
		<lastmod>2014-06-27T06:41:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/06/afa-senate-committee-recommendations-good-for-consumers/</loc>
		<lastmod>2014-06-27T06:36:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/06/press-release-spaa-welcomes-treasurys-draft-regulations-for-tax-advisors/</loc>
		<lastmod>2014-06-27T06:35:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/06/fpas-silent-majority-urged-to-be-vocal-over-changes-to-financial-planning-rules/</loc>
		<lastmod>2014-06-29T19:30:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/06/spaa-technical-conferences-to-get-full-debrief-on-fsi-draft-report/</loc>
		<lastmod>2014-06-29T19:15:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/06/july-1-is-fofa-d-day-for-advisers-are-you-sorted/</loc>
		<lastmod>2014-06-27T01:27:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/06/asic-urged-to-reload-and-take-a-long-hard-look-at-other-afsls/</loc>
		<lastmod>2014-06-26T19:55:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/06/senate-committee-hands-down-report-on-inquiry-into-performance-of-asic/</loc>
		<lastmod>2014-06-26T10:14:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/06/asic-statement-on-senate-economics-committee-report/</loc>
		<lastmod>2014-06-26T08:22:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/06/asic-senate-inquiry-recommendations-support-fpa-10-point-plan/</loc>
		<lastmod>2014-06-26T08:04:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/06/anz-digital-app-to-further-push-groups-scaled-advice-channel/</loc>
		<lastmod>2014-06-26T19:50:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/06/afa-welcomes-registration-requirements-under-tasa/</loc>
		<lastmod>2014-06-26T06:07:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/06/investment-trends-releases-new-global-online-broking-report/</loc>
		<lastmod>2014-06-26T06:05:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/06/from-go-to-whoa-why-market-entry-and-exit-speed-is-driving-direct-life-insurance-growth/</loc>
		<lastmod>2014-06-26T05:56:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/06/criticisms-of-grandfathering-miss-the-mark-and-fail-to-reflect-the-reality-of-advice/</loc>
		<lastmod>2014-06-26T19:30:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/06/bt-financial-group-scores-superannuation-appointment-coup/</loc>
		<lastmod>2014-06-25T23:36:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/06/draft-tasa-regulations-head-in-the-right-direction-for-professional-fpa-members/</loc>
		<lastmod>2014-06-25T23:11:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/06/national-index-reveals-gen-x-most-likely-to-be-insured-but-big-gaps-remain/</loc>
		<lastmod>2014-06-24T20:00:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/06/internal-adviser-associations-provide-advocacy-from-within/</loc>
		<lastmod>2014-06-24T19:30:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/06/grandfathering-exposes-hypocrisy-at-heart-of-fofa-amendments/</loc>
		<lastmod>2014-06-24T19:45:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/06/industry-super-australia-agrees-to-change-comparative-advertising-2/</loc>
		<lastmod>2014-06-24T06:12:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/06/administration-solutions-what-lies-ahead-in-the-drive-for-efficiency-and-cost-effectiveness/</loc>
		<lastmod>2014-06-24T19:15:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/06/bridges-appoints-new-chief-executive-officer/</loc>
		<lastmod>2014-06-24T02:49:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/06/synchron-advisers-must-embrace-technology/</loc>
		<lastmod>2014-06-24T02:12:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/06/no-turning-back-arbitrary-transfer-to-mysuper-exposes-members-to-risk-with-no-recourse/</loc>
		<lastmod>2014-06-24T02:10:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/06/equip-opens-financial-planning-office-in-sydney/</loc>
		<lastmod>2014-06-24T02:08:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/06/smsfs-getting-younger-richer-investing-more-offshore/</loc>
		<lastmod>2014-06-24T02:07:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/06/lonsec-announces-new-appointments-from-1-july-2014/</loc>
		<lastmod>2014-06-24T02:05:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/06/industry-groups-upbeat-as-government-endorses-fofa-changes/</loc>
		<lastmod>2014-06-22T19:50:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/06/fixed-interest-fund-landscape-widens/</loc>
		<lastmod>2014-06-22T19:30:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/06/fofa-reforms-to-be-introduced-via-regulation-versus-legislation/</loc>
		<lastmod>2014-06-22T19:45:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/06/plan-for-life-platform-wrap-media-release-march-2014/</loc>
		<lastmod>2014-06-20T07:28:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/06/affinia-business-consultant-team-completed/</loc>
		<lastmod>2014-06-20T07:25:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/06/karrasch-joins-philo-capital-advisers/</loc>
		<lastmod>2014-06-20T07:24:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/06/asic-permanently-bans-former-southport-based-financial-adviser/</loc>
		<lastmod>2014-06-20T07:22:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/06/investors-missing-out-on-worlds-fastest-growing-region/</loc>
		<lastmod>2014-06-20T07:21:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/06/westpac-private-bank-impresses-at-australian-private-banking-awards/</loc>
		<lastmod>2014-06-20T07:19:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/06/government-moves-swiftly-on-fofa-recommendations/</loc>
		<lastmod>2014-06-19T23:13:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/06/should-opt-in-be-abolished-because-its-anticompetitive/</loc>
		<lastmod>2014-06-19T19:15:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/06/gen-y-wants-more-transparency-from-financial-planners/</loc>
		<lastmod>2014-06-19T19:50:15+00:00</lastmod>
		<image:image>
			<image:loc>https://www.professionalplanner.com.au/wp-content/uploads/2014/06/ProAdviser-Chart.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/06/afa-consumer-rights-need-to-be-grandfathered/</loc>
		<lastmod>2014-06-19T05:31:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/06/chant-west-super-funds-close-in-on-fifth-straight-year-of-gains/</loc>
		<lastmod>2014-06-19T05:28:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/06/spaa-supports-best-interest-catch-all-removal-but-general-advice-and-conflicted-remuneration-remain-a-concern/</loc>
		<lastmod>2014-06-19T05:24:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/06/taxpayers-australia-says-tread-warily-on-fofa-reforms/</loc>
		<lastmod>2014-06-19T05:23:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/06/state-street-global-advisors-global-etf-snapshot-may-2014/</loc>
		<lastmod>2014-06-19T05:20:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/06/wronged-clients-of-commonwealths-financial-planning-still-on-hold/</loc>
		<lastmod>2014-06-19T04:35:44+00:00</lastmod>
		<image:image>
			<image:loc>https://www.professionalplanner.com.au/wp-content/uploads/2014/05/CBA-tear-out.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/06/fofa-amendments-welcomed-condemned-in-turn-by-differing-industry-stakeholders/</loc>
		<lastmod>2014-06-19T04:29:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/06/morningstar-wraps-up-research-on-australian-and-global-listed-property-strategies/</loc>
		<lastmod>2014-06-18T04:42:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/06/in-the-fofa-debate-a-recommendation-is-often-just-a-recommendation/</loc>
		<lastmod>2014-06-17T23:33:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/06/from-rockingham-to-brookvale-a-financial-planners-odyssey/</loc>
		<lastmod>2014-06-17T19:15:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/06/aia-australia-appoints-new-chief-executive-officer/</loc>
		<lastmod>2014-06-17T06:55:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/06/asic-permanently-bans-veteran-adviser/</loc>
		<lastmod>2014-06-17T06:51:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/06/class-strengthens-its-management-team-with-new-coo/</loc>
		<lastmod>2014-06-17T06:48:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/06/pfl-retail-and-wholesale-managed-funds-data-31-march-2014/</loc>
		<lastmod>2014-06-17T06:45:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/06/iress-appoints-new-group-executive-financial-markets/</loc>
		<lastmod>2014-06-17T06:41:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/06/equip-launches-mypension-retirement-income-with-a-built%e2%80%90in-financial-strategy/</loc>
		<lastmod>2014-06-17T06:38:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/06/exchange-traded-funds-have-multiple-benefits-for-managed-accounts/</loc>
		<lastmod>2014-06-17T06:37:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/06/bank-ads-confusing-misleading-indecipherable/</loc>
		<lastmod>2014-06-17T06:36:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/06/7-5bn-growth-in-retail-managed-funds-during-march-quarter-2014/</loc>
		<lastmod>2014-06-16T06:51:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/06/insurance-policy-drop-off-expected-from-budget-pain/</loc>
		<lastmod>2014-06-15T08:05:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/06/new-rollover-service-a-winner-for-suncorp-customers/</loc>
		<lastmod>2014-06-15T08:02:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/06/poll-if-moving-licensees-would-you-select-an-independent-or-institution/</loc>
		<lastmod>2014-06-15T07:49:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/06/grandfathering-of-commissions-not-a-long-term-solution-for-financial-planning-dealer-groups/</loc>
		<lastmod>2014-06-15T19:45:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/06/are-we-there-yet-the-journey-towards-true-professionalism/</loc>
		<lastmod>2014-06-15T19:30:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/06/how-trustees-can-get-the-best-outcome-before-30-june/</loc>
		<lastmod>2014-06-12T21:15:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/06/asic-cuts-highlight-the-need-for-better-financial-planning-self-regulation/</loc>
		<lastmod>2014-06-12T19:45:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/06/feature-the-true-value-of-letting-independents-be-independent/</loc>
		<lastmod>2014-06-12T19:30:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/06/new-rules-could-lead-to-disability-income-insurance-issues-for-smsfs/</loc>
		<lastmod>2014-06-12T19:15:54+00:00</lastmod>
		<image:image>
			<image:loc>https://www.professionalplanner.com.au/wp-content/uploads/2014/06/Scenarios.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/06/blue-sky-raises-60-million-for-australias-first-alternatives-lic/</loc>
		<lastmod>2014-06-12T02:42:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/06/mortgage-choice-successfully-transitions-into-financial-services-hub/</loc>
		<lastmod>2014-06-11T06:42:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/06/chan-naylor-gears-up-for-growth/</loc>
		<lastmod>2014-06-11T06:40:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/06/investors-confident-in-global-markets-yet-cautious-to-invest/</loc>
		<lastmod>2014-06-10T23:39:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/06/helping-clients-to-negotiate-the-many-risks-in-retirement/</loc>
		<lastmod>2014-06-10T19:30:34+00:00</lastmod>
		<image:image>
			<image:loc>https://www.professionalplanner.com.au/wp-content/uploads/2014/06/Risks-Chart.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://www.professionalplanner.com.au/wp-content/uploads/2014/06/Risks-table.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/06/whats-consistent-with-the-banks-is-inconsistent-with-professionalism/</loc>
		<lastmod>2014-06-10T19:15:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/06/earnings-focused-global-share-investment-process-delivers-for-zurich/</loc>
		<lastmod>2014-06-10T05:29:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/06/asic-bans-former-victorian-client-adviser-for-five-years/</loc>
		<lastmod>2014-06-10T04:28:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/06/asic-bans-bankrupt-financial-adviser-2/</loc>
		<lastmod>2014-06-10T04:26:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/06/get-in-specie-contributions-in-on-time-efts-arent-instantaneous/</loc>
		<lastmod>2014-06-10T00:03:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/06/australian-etp-sector-reaches-another-record-high-of-11-4-billion/</loc>
		<lastmod>2014-06-09T23:50:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/06/etp-landscape-fixed-income-on-record-year-to-date-pace/</loc>
		<lastmod>2014-06-09T08:58:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/06/assets-of-etfs-and-etps-listed-in-europe-reached-us459-billion-a-new-record/</loc>
		<lastmod>2014-06-09T08:54:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/06/as-the-government-pulls-the-watchdogs-teeth-co-regulation-starts-at-home/</loc>
		<lastmod>2014-06-09T19:30:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/06/the-best-way-to-generate-strong-referrals-is-also-the-simplest/</loc>
		<lastmod>2014-06-09T19:15:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/06/financial-planners-urged-to-check-professional-indemnity-fine-print/</loc>
		<lastmod>2014-06-09T19:45:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/06/smas-are-more-tax-efficient-than-managed-funds-crystal-wealth/</loc>
		<lastmod>2014-06-06T03:30:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/06/fortnum-appoints-national-sales-manager/</loc>
		<lastmod>2014-06-06T01:15:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/06/capitalising-on-tax-time-investor-behaviour/</loc>
		<lastmod>2014-06-05T19:30:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/06/in-focus-the-name-is-bond-corporate-bond/</loc>
		<lastmod>2014-06-05T19:15:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/06/praemium-appoints-new-head-of-distribution/</loc>
		<lastmod>2014-06-05T06:37:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/06/over-3000-aspiring-charterholders-to-sit-australian-cfa-exams-this-weekend/</loc>
		<lastmod>2014-06-05T06:34:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/06/smsfs-reach-record-558-6bn-still-heavy-cash/</loc>
		<lastmod>2014-06-05T06:30:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/06/planplus-second-annual-global-financial-planning-awards-now-open/</loc>
		<lastmod>2014-06-05T06:28:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/06/number-of-smsf-members-tops-one-million/</loc>
		<lastmod>2014-06-05T06:23:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/06/afa-and-zurich-announce-new-chapter-in-adviser-of-the-year-award/</loc>
		<lastmod>2014-06-05T06:20:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/06/fpa-welcomes-registrations-to-2014-professionals-congress/</loc>
		<lastmod>2014-06-05T05:43:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/06/launch-of-new-sma-service-on-irate/</loc>
		<lastmod>2014-06-05T02:03:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/06/findex-statement-concerning-crowe-horwath/</loc>
		<lastmod>2014-06-04T01:46:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.professionalplanner.com.au/2014/05/poll-do-you-support-the-fpas-call-for-a-legislated-separation-of-product-and-advice-sopa/</loc>
		<lastmod>2014-06-03T20:27:40+00:00</lastmod>
	</url>
</urlset>
<!-- XML Sitemap generated by Rank Math SEO Plugin (c) Rank Math - rankmath.com -->