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		<lastmod>2025-07-29T04:48:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.hewison.com.au/blog/managing-wealth-across-generations/</loc>
		<lastmod>2025-07-29T04:58:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.hewison.com.au/blog/the-future-of-super-tax-why-im-concerned/</loc>
		<lastmod>2025-07-29T04:58:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.hewison.com.au/blog/2025-hewison-lunch-and-learn/</loc>
		<lastmod>2025-06-30T03:29:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.hewison.com.au/blog/rethinking-success-a-goals-based-approach/</loc>
		<lastmod>2025-07-15T00:26:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.hewison.com.au/blog/trauma-insurance-explained/</loc>
		<lastmod>2025-06-30T03:29:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.hewison.com.au/blog/patient-payoff-of-private-equity/</loc>
		<lastmod>2025-06-30T03:30:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.hewison.com.au/blog/how-much-is-enough-in-retirement/</loc>
		<lastmod>2025-06-30T03:30:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.hewison.com.au/blog/first-home-super-savers-fhss-scheme/</loc>
		<lastmod>2025-06-30T03:32:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.hewison.com.au/blog/afr-7-ways-people-are-responding-to-the-3m-super-tax/</loc>
		<lastmod>2025-06-30T03:32:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.hewison.com.au/blog/superannuation-update-division-296-tax/</loc>
		<lastmod>2025-06-30T03:33:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.hewison.com.au/blog/five-key-financial-moves-to-consider-before-june-30/</loc>
		<lastmod>2025-06-30T03:34:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.hewison.com.au/blog/has-commercial-property-in-australia-turned-a-corner/</loc>
		<lastmod>2025-06-30T03:36:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.hewison.com.au/blog/labors-majority-what-it-means-for-superannuation-and-hnw-investors/</loc>
		<lastmod>2025-06-30T03:37:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.hewison.com.au/blog/asw-hewison-foundation-charity-golf-day-raises-record-56000/</loc>
		<lastmod>2025-06-30T03:37:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.hewison.com.au/blog/how-australian-markets-react-to-elections/</loc>
		<lastmod>2025-06-30T03:41:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.hewison.com.au/blog/the-magic-of-compounding-returns/</loc>
		<lastmod>2025-06-30T03:42:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.hewison.com.au/blog/is-your-estate-in-order/</loc>
		<lastmod>2025-06-30T03:44:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.hewison.com.au/blog/family-wealth-conversations/</loc>
		<lastmod>2025-07-03T02:50:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.hewison.com.au/blog/market-reaction-to-us-tariff-announcements/</loc>
		<lastmod>2025-06-30T03:45:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.hewison.com.au/blog/2025-budget-review/</loc>
		<lastmod>2025-06-30T03:45:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.hewison.com.au/blog/a-tariff-too-far-trump-hawley-smoot-and-the-costs-of-protectionism/</loc>
		<lastmod>2025-03-24T22:22:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.hewison.com.au/blog/2025-staff-conference/</loc>
		<lastmod>2025-06-30T03:46:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.hewison.com.au/blog/protecting-your-business-managing-risks-with-insurance/</loc>
		<lastmod>2025-03-20T22:38:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.hewison.com.au/blog/women-in-wealth-awards-finalists-2025/</loc>
		<lastmod>2025-06-30T03:47:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.hewison.com.au/blog/public-vs-private-markets-and-the-resulting-portfolio-volatility/</loc>
		<lastmod>2025-06-30T03:48:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.hewison.com.au/blog/2025-hewison-award-winners/</loc>
		<lastmod>2025-06-30T03:49:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.hewison.com.au/blog/transfer-balance-cap-indexation-strategies/</loc>
		<lastmod>2025-03-05T22:58:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.hewison.com.au/blog/the-importance-of-governance-structures-for-family-businesses/</loc>
		<lastmod>2025-06-30T03:51:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.hewison.com.au/blog/understanding-recent-movements-in-the-australian-dollar/</loc>
		<lastmod>2025-02-18T22:33:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.hewison.com.au/blog/the-retirement-superannuation-myth-why-your-balance-shouldnt-hit-zero/</loc>
		<lastmod>2025-06-30T03:51:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.hewison.com.au/blog/2025-economic-and-financial-market-outlook-for-australia/</loc>
		<lastmod>2025-06-30T03:52:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.hewison.com.au/team/sam-kalmus/</loc>
		<lastmod>2025-10-05T22:48:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.hewison.com.au/team/tess-mcintosh/</loc>
		<lastmod>2025-11-18T22:33:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.hewison.com.au/team/caleb-ludlow/</loc>
		<lastmod>2025-07-29T02:51:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.hewison.com.au/team/chris-colman/</loc>
		<lastmod>2026-01-30T04:44:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.hewison.com.au/team/pierce-hanlen/</loc>
		<lastmod>2025-07-29T02:49:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.hewison.com.au/team/marcus-english/</loc>
		<lastmod>2025-12-22T22:58:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.hewison.com.au/team/travis-schindler/</loc>
		<lastmod>2025-11-24T05:03:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.hewison.com.au/team/nathan-lear/</loc>
		<lastmod>2025-11-24T05:25:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.hewison.com.au/team/chris-morcom/</loc>
		<lastmod>2025-12-05T02:06:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.hewison.com.au/team/simon-curtain/</loc>
		<lastmod>2025-11-24T05:36:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.hewison.com.au/team/andrew-hewison/</loc>
		<lastmod>2025-12-07T21:59:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.hewison.com.au/team/glenn-fairbairn/</loc>
		<lastmod>2025-11-24T05:37:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.hewison.com.au/blog/superannuation-contribution-refresher/</loc>
		<lastmod>2025-06-30T03:53:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.hewison.com.au/blog/sticking-to-asset-allocation-in-uncertain-times/</loc>
		<lastmod>2025-06-30T03:54:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.hewison.com.au/blog/why-portfolio-income-matters/</loc>
		<lastmod>2025-06-30T03:56:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.hewison.com.au/blog/when-will-we-see-a-rate-cut/</loc>
		<lastmod>2025-06-30T03:59:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.hewison.com.au/blog/the-impact-of-trumps-2024-election-win-on-investment-markets/</loc>
		<lastmod>2025-06-30T04:01:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.hewison.com.au/blog/the-asset-travis-is-keeping-off-his-wishlist/</loc>
		<lastmod>2025-06-30T04:02:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.hewison.com.au/blog/finding-opportunities-in-todays-market/</loc>
		<lastmod>2025-06-30T04:04:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.hewison.com.au/blog/why-personal-insurance-matters/</loc>
		<lastmod>2025-06-30T04:05:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.hewison.com.au/blog/australias-top-150-financial-advisers/</loc>
		<lastmod>2025-11-25T05:11:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.hewison.com.au/blog/benefits-of-a-self-managed-super-fund/</loc>
		<lastmod>2025-06-30T04:10:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.hewison.com.au/blog/a-framework-for-deploying-capital-in-a-resilient-market/</loc>
		<lastmod>2025-06-30T04:12:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.hewison.com.au/blog/intergenerational-wealth-transfer/</loc>
		<lastmod>2025-06-30T04:13:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.hewison.com.au/blog/the-differences-between-dividend-paying-and-non-dividend-paying-companies/</loc>
		<lastmod>2025-06-30T04:15:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.hewison.com.au/blog/the-2024-u-s-election-series-its-the-economy-stupid/</loc>
		<lastmod>2025-06-30T04:16:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.hewison.com.au/blog/ifa-excellence-awards-finalists-2024/</loc>
		<lastmod>2025-06-30T04:25:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.hewison.com.au/blog/australias-superannuation-gender-gap/</loc>
		<lastmod>2025-06-30T04:27:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.hewison.com.au/blog/what-is-the-role-of-a-financial-adviser/</loc>
		<lastmod>2025-06-30T04:28:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.hewison.com.au/blog/2024-us-election-series-the-good-the-bad-and-the-bullish/</loc>
		<lastmod>2025-06-30T04:30:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.hewison.com.au/blog/debt-repayment-vs-investing/</loc>
		<lastmod>2025-06-30T04:32:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.hewison.com.au/blog/benefits-of-private-equity-for-a-portfolio/</loc>
		<lastmod>2025-06-30T04:33:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.hewison.com.au/blog/2024-us-election-series-battleground-pennsylvania/</loc>
		<lastmod>2025-06-30T04:36:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.hewison.com.au/blog/navigating-the-shifting-landscape-of-income-protection-in-australia/</loc>
		<lastmod>2025-06-30T04:37:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.hewison.com.au/blog/dollar-cost-averaging-and-portfolio-rebalancing/</loc>
		<lastmod>2025-11-25T05:13:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.hewison.com.au/blog/hewison-foundation-trivia-night-a-huge-success/</loc>
		<lastmod>2025-06-30T04:39:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.hewison.com.au/blog/the-benefits-of-a-diverse-portfolio/</loc>
		<lastmod>2025-06-30T04:41:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.hewison.com.au/blog/no-need-to-panic-during-volatile-markets/</loc>
		<lastmod>2025-06-30T04:44:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.hewison.com.au/blog/stocks-markets-a-voting-machine-verses-a-weighing-machine/</loc>
		<lastmod>2025-06-30T04:45:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.hewison.com.au/blog/why-commercial-property-could-be-key-for-your-portfolio/</loc>
		<lastmod>2025-06-30T04:46:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.hewison.com.au/blog/the-importance-of-passive-income-in-retirement/</loc>
		<lastmod>2025-06-30T04:50:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.hewison.com.au/blog/top-of-the-charts-which-asset-classes-are-outperforming-in-2024/</loc>
		<lastmod>2025-06-30T04:51:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.hewison.com.au/blog/news-marcus-english-announced-as-equity-partner/</loc>
		<lastmod>2025-06-30T04:53:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.hewison.com.au/blog/time-in-the-market-not-timing-the-market/</loc>
		<lastmod>2025-07-30T02:16:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.hewison.com.au/blog/mid-year-investor-forum-insight/</loc>
		<lastmod>2025-06-30T04:56:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.hewison.com.au/blog/hewison-foundation-celebrates-record-fundraising-year/</loc>
		<lastmod>2025-06-30T04:58:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.hewison.com.au/blog/new-financial-year-new-opportunities/</loc>
		<lastmod>2025-06-30T04:59:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.hewison.com.au/blog/sticky-situations/</loc>
		<lastmod>2025-07-03T02:51:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.hewison.com.au/blog/cash-is-king-or-is-it/</loc>
		<lastmod>2025-07-03T02:53:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.hewison.com.au/blog/how-to-gain-exposure-to-ai-from-investing/</loc>
		<lastmod>2025-07-03T02:54:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.hewison.com.au/blog/income-protection-vs-tpd-insurance/</loc>
		<lastmod>2025-07-03T03:14:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.hewison.com.au/blog/views-on-private-credit-and-direct-lending/</loc>
		<lastmod>2025-07-03T02:57:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.hewison.com.au/blog/extra-tax-on-super-balances-over-3m/</loc>
		<lastmod>2025-07-03T02:57:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.hewison.com.au/blog/24-25-budget-review/</loc>
		<lastmod>2025-07-03T02:58:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.hewison.com.au/blog/not-just-cruises-boomers-direct-spending-to-kids-and-grandkids/</loc>
		<lastmod>2025-07-03T02:58:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.hewison.com.au/blog/investing-in-gold/</loc>
		<lastmod>2025-07-03T02:59:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.hewison.com.au/blog/asw-hewison-foundation-charity-golf-day-raises-almost-50000/</loc>
		<lastmod>2025-07-03T03:00:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.hewison.com.au/blog/semiconductors-the-new-oil/</loc>
		<lastmod>2025-07-03T03:01:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.hewison.com.au/blog/understanding-the-small-business-capital-gains-tax-concessions/</loc>
		<lastmod>2025-07-03T03:02:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.hewison.com.au/blog/six-fundamental-principles-for-investing/</loc>
		<lastmod>2024-04-03T02:45:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.hewison.com.au/blog/2024-hewison-staff-conference/</loc>
		<lastmod>2025-07-03T03:03:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.hewison.com.au/blog/2024-hewison-high-tea/</loc>
		<lastmod>2025-07-03T03:03:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.hewison.com.au/blog/paid-parental-leave-superannuation-contributions-a-win-for-new-parents/</loc>
		<lastmod>2025-07-03T03:03:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.hewison.com.au/blog/changes-to-contribution-caps/</loc>
		<lastmod>2025-07-03T03:04:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.hewison.com.au/blog/investing-in-the-potential-of-ai/</loc>
		<lastmod>2025-07-03T03:05:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.hewison.com.au/blog/adrian/</loc>
		<lastmod>2025-07-03T03:05:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.hewison.com.au/blog/2024-hewison-award-winners/</loc>
		<lastmod>2025-07-03T03:06:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.hewison.com.au/blog/8-important-things-you-should-know-about-personal-insurance/</loc>
		<lastmod>2025-07-03T03:06:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.hewison.com.au/blog/5-items-to-consider-before-selling-your-business-to-retire/</loc>
		<lastmod>2025-07-03T03:07:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.hewison.com.au/blog/economic-outlook-whats-in-store-for-2024/</loc>
		<lastmod>2025-07-03T03:07:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.hewison.com.au/blog/stage-3-tax-cuts/</loc>
		<lastmod>2025-07-03T03:08:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.hewison.com.au/blog/hewison-private-wealth-king-island-pro-am-2024/</loc>
		<lastmod>2025-07-03T03:08:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.hewison.com.au/blog/retirement-income-do-i-have-enough-to-retire/</loc>
		<lastmod>2025-07-30T02:16:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.hewison.com.au/blog/no-returns-without-risk/</loc>
		<lastmod>2025-07-03T03:09:58+00:00</lastmod>
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	<url>
		<loc>https://www.hewison.com.au/blog/the-impact-of-geopolitical-tensions-on-markets/</loc>
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	<url>
		<loc>https://www.hewison.com.au/blog/minimum-pension-requirements/</loc>
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		<loc>https://www.hewison.com.au/blog/hewison-foundation-trivia-night-2023/</loc>
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		<loc>https://www.hewison.com.au/blog/debt-recycling-what-is-it-and-is-it-for-me/</loc>
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		<loc>https://www.hewison.com.au/blog/should-you-make-additional-contributions-to-superannuation/</loc>
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		<loc>https://www.hewison.com.au/blog/smsf-pensions-and-estate-planning/</loc>
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		<loc>https://www.hewison.com.au/blog/ifa-excellence-awards-announced/</loc>
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	<url>
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	<url>
		<loc>https://www.hewison.com.au/blog/the-relationship-between-inflation-and-capital-growth/</loc>
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	<url>
		<loc>https://www.hewison.com.au/blog/australian-household-savings-shrink-to-lowest-level-in-15-years/</loc>
		<lastmod>2025-07-03T03:24:22+00:00</lastmod>
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		<loc>https://www.hewison.com.au/blog/australias-top-100-financial-advisers/</loc>
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		<loc>https://www.hewison.com.au/blog/how-to-avoid-death-taxes-on-your-superannuation-benefits/</loc>
		<lastmod>2023-09-27T03:46:33+00:00</lastmod>
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	<url>
		<loc>https://www.hewison.com.au/blog/the-foundation-of-strong-client-relationships/</loc>
		<lastmod>2025-07-03T03:29:06+00:00</lastmod>
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	<url>
		<loc>https://www.hewison.com.au/blog/news-pierce-hanlen-progresses-to-equity-partner/</loc>
		<lastmod>2025-07-03T03:27:13+00:00</lastmod>
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	<url>
		<loc>https://www.hewison.com.au/blog/the-real-value-of-a-financial-adviser/</loc>
		<lastmod>2023-08-21T02:28:33+00:00</lastmod>
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	<url>
		<loc>https://www.hewison.com.au/blog/the-unsung-hero-of-financial-planning/</loc>
		<lastmod>2023-08-18T01:27:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.hewison.com.au/blog/how-to-avoid-financial-scams-2/</loc>
		<lastmod>2025-07-03T03:30:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.hewison.com.au/blog/why-do-people-hire-financial-advisers/</loc>
		<lastmod>2025-07-03T03:31:13+00:00</lastmod>
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	<url>
		<loc>https://www.hewison.com.au/blog/giving-back-through-advice-our-partnership-with-cancer-council/</loc>
		<lastmod>2025-07-03T03:32:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.hewison.com.au/blog/what-to-do-when-markets-are-volatile/</loc>
		<lastmod>2025-07-03T03:32:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.hewison.com.au/blog/a-hitch-hikers-guide-to-investing-during-a-recession/</loc>
		<lastmod>2025-07-03T03:34:02+00:00</lastmod>
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