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      <image:title>Canny View Articles - The Centurion’s Warning: Superannuation at 65—comforting politics, hard maths - 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>
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      <image:title>Canny View Articles - The Centurion’s Warning: Superannuation at 65—comforting politics, hard maths - Nick Stewart</image:title>
      <image:caption>(Ngāi Tahu, Ngāti Huirapa, Ngāti Māmoe, Ngāti Waitaha) Financial Adviser and CEO at Stewart Group</image:caption>
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      <image:title>Canny View Articles - $3 at the Pump — Crisis, Panic, or a Lesson We Refused to Learn? - 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>
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      <image:title>Canny View Articles - $3 at the Pump — Crisis, Panic, or a Lesson We Refused to Learn? - Nick Stewart</image:title>
      <image:caption>(Ngāi Tahu, Ngāti Huirapa, Ngāti Māmoe, Ngāti Waitaha) Financial Adviser and CEO at Stewart Group</image:caption>
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      <image:title>Canny View Articles - Hōne Heke: New Zealand's First Tax Rebel - Make it stand out</image:title>
      <image:caption>Hōne Heke, The History Collection - Alamy</image:caption>
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      <image:title>Canny View Articles - Hōne Heke: New Zealand's First Tax Rebel - Nick Stewart</image:title>
      <image:caption>(Ngāi Tahu, Ngāti Huirapa, Ngāti Māmoe, Ngāti Waitaha) Financial Adviser and CEO at Stewart Group</image:caption>
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    <lastmod>2026-03-05</lastmod>
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      <image:title>Canny View Articles - Iran, Oil, and Your Retirement Savings: Separating the Signal from the Noise - 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>
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      <image:title>Canny View Articles - Iran, Oil, and Your Retirement Savings: Separating the Signal from the Noise - Nick Stewart</image:title>
      <image:caption>(Ngāi Tahu, Ngāti Huirapa, Ngāti Māmoe, Ngāti Waitaha) Financial Adviser and CEO at Stewart Group</image:caption>
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    <lastmod>2026-03-12</lastmod>
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      <image:title>Canny View Articles - Fonterra Sale: A Once-in-a-Generation Opportunity for Financial Balance - Make it stand out</image:title>
      <image:caption>JHVEPhoto - stock.adobe.com</image:caption>
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      <image:title>Canny View Articles - Fonterra Sale: A Once-in-a-Generation Opportunity for Financial Balance - Nick Stewart</image:title>
      <image:caption>(Ngāi Tahu, Ngāti Huirapa, Ngāti Māmoe, Ngāti Waitaha) Financial Adviser and CEO at Stewart Group</image:caption>
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    <lastmod>2026-03-12</lastmod>
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      <image:title>Canny View Articles - Two Years of Drift: New Zealand's Squandered Mandate for Change - 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>
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      <image:title>Canny View Articles - Two Years of Drift: New Zealand's Squandered Mandate for Change - Nick Stewart</image:title>
      <image:caption>(Ngāi Tahu, Ngāti Huirapa, Ngāti Māmoe, Ngāti Waitaha) Financial Adviser and CEO at Stewart Group</image:caption>
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    <lastmod>2026-03-12</lastmod>
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      <image:title>Canny View Articles - The DIY Investment Trap: Why New Zealanders Need to Play the Net Game - 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>
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    <image:image>
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      <image:title>Canny View Articles - The DIY Investment Trap: Why New Zealanders Need to Play the Net Game - Nick Stewart</image:title>
      <image:caption>(Ngāi Tahu, Ngāti Huirapa, Ngāti Māmoe, Ngāti Waitaha) Financial Adviser and CEO at Stewart Group</image:caption>
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    <lastmod>2026-03-12</lastmod>
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      <image:title>Canny View Articles - Full and Final: The Value of Moving Forward - Make it stand out</image:title>
      <image:caption>Arowhenua Marae - Photo by Nick Stewart</image:caption>
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    <image:image>
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      <image:title>Canny View Articles - Full and Final: The Value of Moving Forward - Nick Stewart</image:title>
      <image:caption>(Ngāi Tahu, Ngāti Huirapa, Ngāti Māmoe, Ngāti Waitaha) Financial Adviser and CEO at Stewart Group</image:caption>
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      <image:title>Canny View Articles - 28 Investment Principles That Actually Work When Markets Don't Cooperate - 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>
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      <image:title>Canny View Articles - 28 Investment Principles That Actually Work When Markets Don't Cooperate - Nick Stewart</image:title>
      <image:caption>(Ngāi Tahu, Ngāti Huirapa, Ngāti Māmoe, Ngāti Waitaha) Financial Adviser and CEO at Stewart Group</image:caption>
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    <lastmod>2026-03-12</lastmod>
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      <image:title>Canny View Articles - The People's Poet and The People's Purse: From Burns to KiwiSaver - 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>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/9adf4235-2643-41f1-905b-5e7e96791fa3/Nick+S_Gradient+Right+%28Small%29.png</image:loc>
      <image:title>Canny View Articles - The People's Poet and The People's Purse: From Burns to KiwiSaver - Nick Stewart</image:title>
      <image:caption>(Ngāi Tahu, Ngāti Huirapa, Ngāti Māmoe, Ngāti Waitaha) Financial Adviser and CEO at Stewart Group</image:caption>
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    <lastmod>2026-03-12</lastmod>
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      <image:title>Canny View Articles - Taking Advice from Algorithms: Why the Messy Line Matters - 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/v1/59f10713edaed8d2d2501c0c/9adf4235-2643-41f1-905b-5e7e96791fa3/Nick+S_Gradient+Right+%28Small%29.png</image:loc>
      <image:title>Canny View Articles - Taking Advice from Algorithms: Why the Messy Line Matters - Nick Stewart</image:title>
      <image:caption>(Ngāi Tahu, Ngāti Huirapa, Ngāti Māmoe, Ngāti Waitaha) Financial Adviser and CEO at Stewart Group</image:caption>
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    <lastmod>2026-01-09</lastmod>
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      <image:title>Canny View Articles - When Good Intentions Meet Poor Planning - Make it stand out</image:title>
      <image:caption>From the Northern Club Art Collection Title: Portrait of Lord Nelson Artist: Benjamin West</image:caption>
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      <image:title>Canny View Articles - When Good Intentions Meet Poor Planning - Nick Stewart</image:title>
      <image:caption>(Ngāi Tahu, Ngāti Huirapa, Ngāti Māmoe, Ngāti Waitaha) Financial Adviser and CEO at Stewart Group</image:caption>
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    <priority>0.5</priority>
    <lastmod>2025-12-18</lastmod>
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      <image:title>Canny View Articles - Reflecting on 2025: A Final Canny View for the Year - 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/v1/59f10713edaed8d2d2501c0c/9adf4235-2643-41f1-905b-5e7e96791fa3/Nick+S_Gradient+Right+%28Small%29.png</image:loc>
      <image:title>Canny View Articles - Reflecting on 2025: A Final Canny View for the Year - Nick Stewart</image:title>
      <image:caption>(Ngāi Tahu, Ngāti Huirapa, Ngāti Māmoe, Ngāti Waitaha) Financial Adviser and CEO at Stewart Group</image:caption>
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    <lastmod>2025-12-12</lastmod>
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      <image:title>Canny View Articles - Should I Invest in What I Love? Product Affection vs Investment Logic - 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>
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      <image:title>Canny View Articles - Should I Invest in What I Love? Product Affection vs Investment Logic - Nick Stewart</image:title>
      <image:caption>(Ngāi Tahu, Ngāti Huirapa, Ngāti Māmoe, Ngāti Waitaha) Financial Adviser and CEO at Stewart Group</image:caption>
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    <lastmod>2025-12-05</lastmod>
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      <image:title>Canny View Articles - To Insure or Not to Insure - 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/v1/59f10713edaed8d2d2501c0c/9adf4235-2643-41f1-905b-5e7e96791fa3/Nick+S_Gradient+Right+%28Small%29.png</image:loc>
      <image:title>Canny View Articles - To Insure or Not to Insure - Nick Stewart</image:title>
      <image:caption>(Ngāi Tahu, Ngāti Huirapa, Ngāti Māmoe, Ngāti Waitaha) Financial Adviser and CEO at Stewart Group</image:caption>
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    <priority>0.5</priority>
    <lastmod>2025-11-28</lastmod>
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      <image:title>Canny View Articles - The Squeeze Play: When Essentials Outpace Everything Else - 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/v1/59f10713edaed8d2d2501c0c/9adf4235-2643-41f1-905b-5e7e96791fa3/Nick+S_Gradient+Right+%28Small%29.png</image:loc>
      <image:title>Canny View Articles - The Squeeze Play: When Essentials Outpace Everything Else - Nick Stewart</image:title>
      <image:caption>(Ngāi Tahu, Ngāti Huirapa, Ngāti Māmoe, Ngāti Waitaha) Financial Adviser and CEO at Stewart Group</image:caption>
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    <loc>https://www.stewartgroup.co.nz/cannyview/434</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-11-21</lastmod>
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      <image:title>Canny View Articles - Don't Let Your Adviser's Retirement Disrupt Yours - 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>
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      <image:title>Canny View Articles - Don't Let Your Adviser's Retirement Disrupt Yours - Nick Stewart (Ngāi Tahu, Ngāti Huirapa, Ngāti Māmoe, Ngāti Waitaha) Financial Adviser and CEO at Stewart Group</image:title>
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    <loc>https://www.stewartgroup.co.nz/cannyview/chicago</loc>
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    <lastmod>2025-11-14</lastmod>
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      <image:title>Canny View Articles - Markets, Science, &amp;amp; the Chicago Legacy: Why Evidence Matters More Than Ever - 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>
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      <image:title>Canny View Articles - Markets, Science, &amp;amp; the Chicago Legacy: Why Evidence Matters More Than Ever - Nick Stewart</image:title>
      <image:caption>(Ngāi Tahu, Ngāti Huirapa, Ngāti Māmoe, Ngāti Waitaha) Financial Adviser and CEO at Stewart Group</image:caption>
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    <lastmod>2025-11-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/143f8776-2fa6-40c8-bee9-732191f3956f/Screenshot+2025-11-14+152625.png</image:loc>
      <image:title>Canny View Articles - The 12-Month Tax Gambit: Labour's Calculated Risk - 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/v1/59f10713edaed8d2d2501c0c/f8bad822-0df3-4f74-b1e2-0d871d7c5d02/Tax+Rate+%28%25%29.jpg</image:loc>
      <image:title>Canny View Articles - The 12-Month Tax Gambit: Labour's Calculated Risk - Make it stand out</image:title>
      <image:caption>Laffer Curve | Source: Norway's Wealth Tax Unchains a Capital Exodus</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/9adf4235-2643-41f1-905b-5e7e96791fa3/Nick+S_Gradient+Right+%28Small%29.png</image:loc>
      <image:title>Canny View Articles - The 12-Month Tax Gambit: Labour's Calculated Risk - Nick Stewart (Ngāi Tahu, Ngāti Huirapa, Ngāti Māmoe, Ngāti Waitaha) Financial Adviser and CEO at Stewart Group</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/432</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-11-07</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/3f512ca7-5da8-415b-9205-1524ef526080/Sparrow.jpg</image:loc>
      <image:title>Canny View Articles - When Ideology Replaces Analysis: The Sparrow Lesson for Investors - Make it stand out</image:title>
      <image:caption>‘Ed Brown’ by Michael Parekowhai, 2000 - A favourite of Nick’s that hangs on the wall at home.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/9adf4235-2643-41f1-905b-5e7e96791fa3/Nick+S_Gradient+Right+%28Small%29.png</image:loc>
      <image:title>Canny View Articles - When Ideology Replaces Analysis: The Sparrow Lesson for Investors - Nick Stewart (Ngāi Tahu, Ngāti Huirapa, Ngāti Māmoe, Ngāti Waitaha) Financial Adviser and CEO at Stewart Group</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/investmentlures</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-12-12</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/a3392ca3-0528-476f-9bc9-a2e8c81743a8/Firefly_an+old+wooden+tackle+box+full+of+colorful+fishing+flies+lying+off+to+the+right+on+roc+138707.png</image:loc>
      <image:title>Canny View Articles - Not all that Glitters: A Hawke’s Bay Perspective on Investment Lures - 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/v1/59f10713edaed8d2d2501c0c/3ef4a219-4441-48ad-90d6-9b5908ced5e9/Nick+S_Gradient+Right+%28Small%29.png</image:loc>
      <image:title>Canny View Articles - Not all that Glitters: A Hawke’s Bay Perspective on Investment Lures - Nick Stewart (Ngāi Tahu, Ngāti Huirapa, Ngāti Māmoe, Ngāti Waitaha) Financial Adviser and CEO at Stewart Group</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/431</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-10-31</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/2cf8aad7-ffa8-4cd3-bb72-4c71294a9465/economy+ghost.png</image:loc>
      <image:title>Canny View Articles - NZ's Economic Costume: Why Kiwis Feel Poor Despite Being "Rich" - 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/v1/59f10713edaed8d2d2501c0c/1663212454831-FZ112OOGRP2ZPMUCSR6N/Nick-Stewart-Edit.jpg</image:loc>
      <image:title>Canny View Articles - NZ's Economic Costume: Why Kiwis Feel Poor Despite Being "Rich" - Nick Stewart (Ngāi Tahu, Ngāti Huirapa, Ngāti Māmoe, Ngāti Waitaha) Financial Adviser and CEO at Stewart Group</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/430</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-10-24</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/622014e8-973e-4ddb-a958-fb97adc0b090/Wisdom.png</image:loc>
      <image:title>Canny View Articles - The Price of Wisdom: What Financial Advice Is Really Worth - 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/v1/59f10713edaed8d2d2501c0c/1663212454831-FZ112OOGRP2ZPMUCSR6N/Nick-Stewart-Edit.jpg</image:loc>
      <image:title>Canny View Articles - The Price of Wisdom: What Financial Advice Is Really Worth - Nick Stewart (Ngāi Tahu, Ngāti Huirapa, Ngāti Māmoe, Ngāti Waitaha) Financial Adviser and CEO at Stewart Group</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/429</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-12-04</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/5b842f8b-8eac-4de7-bbec-635f605d9d12/Untitled+design+%2813%29.png</image:loc>
      <image:title>Canny View Articles - The Magnificent 7: Why Yesterday’s Winners May Not Be Tomorrow’s Champions - 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/v1/59f10713edaed8d2d2501c0c/7d1d4d0f-9d81-4d8a-8c1e-c3f1e15cf51b/Screenshot+2025-10-17+154948.png</image:loc>
      <image:title>Canny View Articles - The Magnificent 7: Why Yesterday’s Winners May Not Be Tomorrow’s Champions - Make it stand out</image:title>
      <image:caption>Source: Dimensional - Click for full information</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/1663212454831-FZ112OOGRP2ZPMUCSR6N/Nick-Stewart-Edit.jpg</image:loc>
      <image:title>Canny View Articles - The Magnificent 7: Why Yesterday’s Winners May Not Be Tomorrow’s Champions - Nick Stewart (Ngāi Tahu, Ngāti Huirapa, Ngāti Māmoe, Ngāti Waitaha) Financial Adviser and CEO at Stewart Group</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/428</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-12-04</lastmod>
    <image:image>
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      <image:title>Canny View Articles - When Geniuses Get Burned: A Timely Lesson on Bubbles, Diversification, and the Perils of FOMO - 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/v1/59f10713edaed8d2d2501c0c/18db2ca6-3a39-4a2b-8734-fc40f5356266/South+Sea+Stock+Graph.png</image:loc>
      <image:title>Canny View Articles - When Geniuses Get Burned: A Timely Lesson on Bubbles, Diversification, and the Perils of FOMO - 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/v1/59f10713edaed8d2d2501c0c/1663212454831-FZ112OOGRP2ZPMUCSR6N/Nick-Stewart-Edit.jpg</image:loc>
      <image:title>Canny View Articles - When Geniuses Get Burned: A Timely Lesson on Bubbles, Diversification, and the Perils of FOMO - Nick Stewart (Ngāi Tahu, Ngāti Huirapa, Ngāti Māmoe, Ngāti Waitaha) Financial Adviser and CEO at Stewart Group</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/427</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-10-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/714652ce-bd06-4fcd-a29f-22539d167474/FB+KS+Ecosystem.png</image:loc>
      <image:title>Canny View Articles - Beyond the Silo: Why Your KiwiSaver Strategy Should Reflect Your Entire Financial Picture - 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/v1/59f10713edaed8d2d2501c0c/1663212454831-FZ112OOGRP2ZPMUCSR6N/Nick-Stewart-Edit.jpg</image:loc>
      <image:title>Canny View Articles - Beyond the Silo: Why Your KiwiSaver Strategy Should Reflect Your Entire Financial Picture - Nick Stewart (Ngāi Tahu, Ngāti Huirapa, Ngāti Māmoe, Ngāti Waitaha) Financial Adviser and CEO at Stewart Group</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/426</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-09-26</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/b77fd0fe-b7e3-4a55-902f-b0194dc9335f/handbrake.png</image:loc>
      <image:title>Canny View Articles - Time to Cut the Banking Anchor: New Zealand’s Capital Ratio Handbrake - 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/v1/59f10713edaed8d2d2501c0c/1663212454831-FZ112OOGRP2ZPMUCSR6N/Nick-Stewart-Edit.jpg</image:loc>
      <image:title>Canny View Articles - Time to Cut the Banking Anchor: New Zealand’s Capital Ratio Handbrake - Nick Stewart (Ngāi Tahu, Ngāti Huirapa, Ngāti Māmoe, Ngāti Waitaha) Financial Adviser and CEO at Stewart Group</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/425</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-09-18</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/2b722048-1b21-4d59-8a26-ae1b773a06c6/Housing+Pressure+Cooker.png</image:loc>
      <image:title>Canny View Articles - Days of Auld are Long Gone: New Zealand's Housing Reality Check - 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/v1/59f10713edaed8d2d2501c0c/1663212454831-FZ112OOGRP2ZPMUCSR6N/Nick-Stewart-Edit.jpg</image:loc>
      <image:title>Canny View Articles - Days of Auld are Long Gone: New Zealand's Housing Reality Check - Nick Stewart (Ngāi Tahu, Ngāti Huirapa, Ngāti Māmoe, Ngāti Waitaha) Financial Adviser and CEO at Stewart Group</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/424</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-09-18</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/07be60f8-f0cd-4945-b4c8-142678f05517/Paradox+of+Peace.png</image:loc>
      <image:title>Canny View Articles - The Paradox of Wealth Without Peace - 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/v1/59f10713edaed8d2d2501c0c/1663212454831-FZ112OOGRP2ZPMUCSR6N/Nick-Stewart-Edit.jpg</image:loc>
      <image:title>Canny View Articles - The Paradox of Wealth Without Peace - Nick Stewart (Ngāi Tahu, Ngāti Huirapa, Ngāti Māmoe, Ngāti Waitaha) Financial Adviser and CEO at Stewart Group</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/423</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-09-05</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/41c2d46f-cd2f-4d49-ba4e-cb4cf73f13fe/Safe+Cash.png</image:loc>
      <image:title>Canny View Articles - Why Holding Cash Feels Safe - But Isn't Always Wise - 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/v1/59f10713edaed8d2d2501c0c/1663212454831-FZ112OOGRP2ZPMUCSR6N/Nick-Stewart-Edit.jpg</image:loc>
      <image:title>Canny View Articles - Why Holding Cash Feels Safe - But Isn't Always Wise - Nick Stewart (Ngāi Tahu, Ngāti Huirapa, Ngāti Māmoe, Ngāti Waitaha) Financial Adviser and CEO at Stewart Group</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/422</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-08-29</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/0edbdab0-4cc4-4ba8-b294-74deaf5a6845/Cold+person+with+powerlines.png</image:loc>
      <image:title>Canny View Articles - Our Broken Energy Market: When Bigger isn’t Better - 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/v1/59f10713edaed8d2d2501c0c/1663212454831-FZ112OOGRP2ZPMUCSR6N/Nick-Stewart-Edit.jpg</image:loc>
      <image:title>Canny View Articles - Our Broken Energy Market: When Bigger isn’t Better - Nick Stewart (Ngāi Tahu, Ngāti Huirapa, Ngāti Māmoe, Ngāti Waitaha) Financial Adviser and CEO at Stewart Group</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/value-vs-values</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-08-22</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/be41783e-4663-4671-8043-d698a416b06b/Worn+RM+Williams-2.jpg</image:loc>
      <image:title>Canny View Articles - Value vs Values: The True Cost of Short-Term Thinking - 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/v1/59f10713edaed8d2d2501c0c/1663212454831-FZ112OOGRP2ZPMUCSR6N/Nick-Stewart-Edit.jpg</image:loc>
      <image:title>Canny View Articles - Value vs Values: The True Cost of Short-Term Thinking - Nick Stewart (Ngāi Tahu, Ngāti Huirapa, Ngāti Māmoe, Ngāti Waitaha) Financial Adviser and CEO at Stewart Group</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/economic-crossroad</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-08-15</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/705c6a1f-78f6-4000-99e4-23e0231d053f/Economic+Crossroads.jpg</image:loc>
      <image:title>Canny View Articles - Navigating New Zealand’s Economic Crossroads - A Canny View - 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/v1/59f10713edaed8d2d2501c0c/1663212454831-FZ112OOGRP2ZPMUCSR6N/Nick-Stewart-Edit.jpg</image:loc>
      <image:title>Canny View Articles - Navigating New Zealand’s Economic Crossroads - A Canny View - Nick Stewart (Ngāi Tahu, Ngāti Huirapa, Ngāti Māmoe, Ngāti Waitaha) Financial Adviser and CEO at Stewart Group</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/chunuk-bair-the-dawn-that-changed-a-nation</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-08-08</lastmod>
    <image:image>
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      <image:title>Canny View Articles - Chunuk Bair: The Dawn That Changed a Nation - Make it stand out</image:title>
      <image:caption>WWI New Zealand Ensign attributed to 6/159 Private John Taylor – Quinn’s Post, Gallipoli (cropped). Collection of the National Army Museum Te Mata Toa (2000.533). Image used with permission.</image:caption>
    </image:image>
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      <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.stewartgroup.co.nz/cannyview/hows-the-serenity</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-08-01</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/087a2ca2-57ba-4892-be0f-64ef4548929e/Hows+the+Serenity.jpeg</image:loc>
      <image:title>Canny View Articles - How’s the Serenity? – Property in Retirement - 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/v1/59f10713edaed8d2d2501c0c/1663212454831-FZ112OOGRP2ZPMUCSR6N/Nick-Stewart-Edit.jpg</image:loc>
      <image:title>Canny View Articles - How’s the Serenity? – Property in Retirement - 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.stewartgroup.co.nz/cannyview/the-rates-crisis-a-canny-view-for-new-zealand</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-07-25</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/c3d036f7-e762-4eda-9147-e35c408eb46c/Your+Rate+Invoice</image:loc>
      <image:title>Canny View Articles - The Rates Crisis: A Canny View for New Zealand - 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/v1/59f10713edaed8d2d2501c0c/1663212454831-FZ112OOGRP2ZPMUCSR6N/Nick-Stewart-Edit.jpg</image:loc>
      <image:title>Canny View Articles - The Rates Crisis: A Canny View for New Zealand - 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.stewartgroup.co.nz/cannyview/family-wealth-and-the-infamous-70-rule</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-12-04</lastmod>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <lastmod>2024-08-29</lastmod>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <lastmod>2024-08-22</lastmod>
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      <image:title>Canny View Articles - Switching Gears - 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>
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    <changefreq>monthly</changefreq>
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    <lastmod>2024-08-14</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/d4202543-10e5-489d-ab78-d1ef14a18b63/pexels-cottonbro-4669118.jpg</image:loc>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Canny View Articles - Will the US Election Affect Stock Market Returns? - Make it stand out</image:title>
      <image:caption>Source: Dimensional Fund Advisors</image:caption>
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      <image:caption>Source: Dimensional Fund Advisors</image:caption>
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      <image:caption>Image source: Visual Capitalist https://www.visualcapitalist.com/visualizing-the-brics-expansion-in-4-charts/</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <lastmod>2024-06-06</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/a3a3efa0-690f-46f2-b241-989c96bf6f90/240113-Canny+%28002%29.jpg</image:loc>
      <image:title>Canny View Articles - Hindsight is 20/20 (or: Don’t Bet on Market Forecasts) - 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.stewartgroup.co.nz/cannyview/2023-change-in-the-rear-view</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-06-06</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/fad9bd10-1e58-4357-8493-8b7d3a5a305d/clint-patterson-1-wBnPhsmJY-unsplash.jpg</image:loc>
      <image:title>Canny View Articles - 2023: Change in the Rear View - Make it stand out</image:title>
      <image:caption>As we look to the holidays and the New Year, the same things highlighted by the volatility of recent times remain important; spending valuable time with loved ones, and making a plan for you and your whānau’s future.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/dinner-plans-diversification-and-dubiously-hot-stocks</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-06-06</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/bb5105d4-194f-40c2-af6f-b6f3b7113a32/jed-owen-EgG6wcsjFtE-unsplash.jpg</image:loc>
      <image:title>Canny View Articles - Dinner Plans, Diversification, and Dubiously ‘Hot’ Stocks - 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.stewartgroup.co.nz/cannyview/airbnb-from-easy-breezy-to-risky-business-or-an-awkward-about-face-on-app-tax-1</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-06-06</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/fba555d7-ff2c-4123-ab2b-7927257f4462/clay-banks-DS2rtg-Nbgk-unsplash.jpg</image:loc>
      <image:title>Canny View Articles - Airbnb: from easy breezy to risky business or, an awkward about-face on app tax - 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.stewartgroup.co.nz/cannyview/back-to-basics-risk-adjusted-returns</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-06-06</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/665f4d89-ff04-47a4-898e-bf9658c80da7/samuele-errico-piccarini-MyjVReZ5GLQ-unsplash.jpg</image:loc>
      <image:title>Canny View Articles - Back to Basics: Risk-Adjusted Returns - 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.stewartgroup.co.nz/cannyview/avoid-silly-season-spending</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-06-06</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/fe884e9b-8f12-4174-ab50-2cfc53e5c8e3/freestocks-PxM8aeJbzvk-unsplash.jpg</image:loc>
      <image:title>Canny View Articles - Avoid Silly Season Spending - 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.stewartgroup.co.nz/cannyview/more-scams-to-boot</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-06-06</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/3545e9bf-44f7-4e8d-9539-3f1ffccbc5a0/pexels-tima-miroshnichenko-5380610.jpg</image:loc>
      <image:title>Canny View Articles - More Scams To Boot - 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.stewartgroup.co.nz/cannyview/in-retrospect-or-the-only-way-to-view-a-recession</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-06-06</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/df4289c0-33b5-4c1f-b619-1192b35f2a9e/igor-omilaev-agw1QgJnMrE-unsplash.jpg</image:loc>
      <image:title>Canny View Articles - In Retrospect (or, ‘The only way to view a recession’) - 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.stewartgroup.co.nz/cannyview/is-cash-costing-you-more-than-youd-think</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-06-06</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/80fe8d23-f416-4fe8-aadd-5e7ff3b19a8c/pexels-karolina-grabowska-7680483.jpg</image:loc>
      <image:title>Canny View Articles - Is Cash Costing You? More Than You’d Think… - 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.stewartgroup.co.nz/cannyview/whats-your-number-income-satiation-and-happiness</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-06-06</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/657fc84e-9c84-4de7-8cdb-79e903047a41/tim-mossholder-8R-mXppeakM-unsplash.jpg</image:loc>
      <image:title>Canny View Articles - What’s Your Number? Income Satiation and Happiness - 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.stewartgroup.co.nz/cannyview/fomo-feel-the-fear-and-dont-do-it-anyway</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-06-06</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/78ae584a-c57b-46cd-a1bb-8180df8a27c3/nik-LUYD2b7MNrg-unsplash.jpg</image:loc>
      <image:title>Canny View Articles - FOMO: Feel the fear and (don’t) do it anyway - 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.stewartgroup.co.nz/cannyview/some-of-the-benefits-of-thinking-long-term</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-06-06</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/54801dd2-47f0-4345-91e8-a9816c647b23/markus-winkler-wpOa2i3MUrY-unsplash.jpg</image:loc>
      <image:title>Canny View Articles - (Some of) the Benefits of Thinking Long Term - 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.stewartgroup.co.nz/cannyview/elections-and-markets-no-correlation-1</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-06-06</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/236668a0-58bc-459a-bb2c-51cdca0705d4/element5-digital-T9CXBZLUvic-unsplash.jpg</image:loc>
      <image:title>Canny View Articles - Elections and Markets? No Correlation - 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.stewartgroup.co.nz/cannyview/diversification-a-passport-for-smart-investors</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-06-06</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/8fd882af-59b6-4898-9a24-c2e072dbb897/ibrahim-boran-YVnvtMA2mok-unsplash.jpg</image:loc>
      <image:title>Canny View Articles - Diversification: A passport for smart investors - 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.stewartgroup.co.nz/cannyview/the-best-time-was-yesterday</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-06-06</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/4514bf25-304b-4cb9-b838-fd44991ded12/pexels-mikhail-nilov-7828315.jpg</image:loc>
      <image:title>Canny View Articles - The Best Time Was Yesterday - 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.stewartgroup.co.nz/cannyview/paradoxes-and-the-pursuit-of-happiness</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-06-06</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/6768ac0a-d65c-41b9-b2c7-32dd89fcb5e0/austin-schmid-hRdVSYpffas-unsplash.jpg</image:loc>
      <image:title>Canny View Articles - Paradoxes and the pursuit of happiness - 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.stewartgroup.co.nz/cannyview/no-really-the-grass-is-not-always-greener</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-06-06</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/e27f0aa9-bb65-42ec-a49e-07b3ae2c4979/ahmed-zayan-ABUWC-0a7_A-unsplash.jpg</image:loc>
      <image:title>Canny View Articles - No, really – the grass is not always greener - 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.stewartgroup.co.nz/cannyview/work-hard-save-hard-to-avoid-lifestyle-creep</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-06-06</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/60f7def9-b23d-4e6f-bcca-833acb8b17b1/pexels-tim-douglas-6567442.jpg</image:loc>
      <image:title>Canny View Articles - Work Hard, Save Hard to Avoid Lifestyle Creep - Make it stand out</image:title>
      <image:caption>by Nick Stewart (CEO and Financial Adviser at Stewart Group)</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/20-years-with-dimensional-fund-advisors</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-08-31</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/707dcc82-50c8-411f-80e7-2bafde3b716e/DFA+2012.jpg</image:loc>
      <image:title>Canny View Articles - 20 Years with Dimensional Fund Advisors - Make it stand out</image:title>
      <image:caption>Year: 2012 From left to right: Nick Stewart (CEO and financial adviser of Stewart Group), Professor Kenneth French (Director, consultant &amp; co-chair of the investment research committee at Dimensional) &amp; Don Stewart (Founding principal &amp; ambassador of Stewart Group) at the launch of Asset Class KiwiSaver Funds.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/5aed1623-421d-4b50-bcc6-947e2d81bf6f/DFA.jpg</image:loc>
      <image:title>Canny View Articles - 20 Years with Dimensional Fund Advisors</image:title>
      <image:caption>Year: 2007 From left Nick Stewart (CEO and financial adviser of Stewart Group) at DFA’s then head office in Santa Monica with the head of financial adviser services, the late Dan Wheeler - a true pioneer.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/32b62788-df28-4159-9123-4fe1e9ffb06a/DFA+2019.jpg</image:loc>
      <image:title>Canny View Articles - 20 Years with Dimensional Fund Advisors</image:title>
      <image:caption>Year: 2019 From left to right: Glenn Crane (Executive Chairman of Dimensional - Australia), Nick Stewart (CEO and financial adviser at Stewart Group), Professor Kenneth French (Director, consultant &amp; co-chair of the investment research committee at Dimensional).</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/purpose-built-the-value-of-advice-goes-beyond-returns</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-06-06</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/cbd214cb-5c8e-4566-97c4-53d8944f0462/jacques-bopp-Jg2-zDy-oUg-unsplash.jpg</image:loc>
      <image:title>Canny View Articles - Purpose-Built: The Value of Advice Goes Beyond Returns - Make it stand out</image:title>
      <image:caption>by Nick Stewart (CEO and Financial Adviser at Stewart Group)</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/tune-out-financial-fervour-focus-on-the-tried-amp-true</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-06-06</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/ef2a4a6c-2846-4318-b8ff-473da6c15021/allison-saeng-HrFCxo0Go5Y-unsplash.jpg</image:loc>
      <image:title>Canny View Articles - Tune Out Financial Fervour (Focus on the Tried &amp;amp; True) - Make it stand out</image:title>
      <image:caption>by Nick Stewart (CEO and Financial Adviser at Stewart Group.)</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/lotto-tempting-but-not-a-financial-plan</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-06-06</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/b82c6efa-3714-4c57-8b54-a4ae76bbe582/alejandro-garay-1RxbuMvugxk-unsplash.jpg</image:loc>
      <image:title>Canny View Articles - Lotto: Tempting, but not a financial plan - Make it stand out</image:title>
      <image:caption>by Nick Stewart (CEO and Financial Adviser at Stewart Group.)</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/kiwisaver-no-need-to-fix-what-isnt-broken</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-06-06</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/f3111e88-d1f9-43fa-b031-837d7a7a8f44/pexels-jimmy-chan-12895278.jpg</image:loc>
      <image:title>Canny View Articles - KiwiSaver: No Need To Fix What Isn’t Broken - Make it stand out</image:title>
      <image:caption>Nick says this is not the first time National has made changes to ‘white ant’ a Government sponsored superannuation scheme, or the first time they have undermined KiwiSaver itself.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/advice-amp-the-empathy-factor</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-06-06</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/43267e22-6de6-44f0-8094-8f06d543eb1c/pexels-tara-winstead-8386422.jpg</image:loc>
      <image:title>Canny View Articles - Advice &amp;amp; The Empathy Factor - 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.stewartgroup.co.nz/cannyview/hawkes-bay-flood-relief-stewart-groups-gala-night-raises-more-than-27000</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-07-27</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/7b3ce194-fbd6-4369-b5a0-8ba93ebc2618/1.jpg</image:loc>
      <image:title>Canny View Articles - Hawke’s Bay flood relief: Stewart Group’s gala night raises more than $27,000 - Make it stand out</image:title>
      <image:caption>Stewart Group's Hawke’s Bay cyclone relief gala night was a huge success with $27,500 raised to help those impacted by Cyclone Gabriele.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/f4200827-565d-4d34-97a6-bb01e103d26f/2.jpg</image:loc>
      <image:title>Canny View Articles - Hawke’s Bay flood relief: Stewart Group’s gala night raises more than $27,000 - Make it stand out</image:title>
      <image:caption>Rory O’Neill (left), Germaine Meeuws, Don Stewart, Bruce Jenks, Brent Allcock, Nick Stewart, Prathme Rabeshen, and Paula Enticott at the Stewart Group cyclone relief gala night.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/whats-in-a-name</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-06-06</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/ab998dce-bd62-4e49-8f69-b70c5eb95f04/pexels-ann-h-10981241.jpg</image:loc>
      <image:title>Canny View Articles - What’s in a name? - Make it stand out</image:title>
      <image:caption>by Nick Stewart</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/is-fiscal-drag-creeping-up-on-you</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-06-06</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/9dff4b1d-b92d-4bbb-a0d6-1bb8b1f83b66/towfiqu-barbhuiya-JhevWHCbVyw-unsplash.jpg</image:loc>
      <image:title>Canny View Articles - Is Fiscal Drag Creeping Up On You? - 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.stewartgroup.co.nz/cannyview/all-seeing-or-short-sighted-market-timers-got-it-wrong-again</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-06-06</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/47e4e968-ac77-45f5-b166-acf2d2eb5a3e/adam-smigielski-K5mPtONmpHM-unsplash.jpg</image:loc>
      <image:title>Canny View Articles - All-seeing, or short-sighted? Market timers got it wrong (again) - 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.stewartgroup.co.nz/cannyview/the-6-questions-to-ask-when-choosing-who-manages-your-money</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-06-06</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/a3ff364d-516e-49a2-994b-db5173b3351d/amy-hirschi-K0c8ko3e6AA-unsplash.jpg</image:loc>
      <image:title>Canny View Articles - The 6 questions to ask when choosing who manages your 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.stewartgroup.co.nz/cannyview/recession-and-reset</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-06-06</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/4089853b-f865-414e-bd1b-4ce3061920b0/christophe-hautier-902vnYeoWS4-unsplash.jpg</image:loc>
      <image:title>Canny View Articles - Recession and reset - Make it stand out</image:title>
      <image:caption>by Nick Stewart</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/the-value-of-time-in-film-literature-and-investments</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-06-06</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/876c26ba-0208-4d24-84f2-e9880b4cc47b/morgan-housel-X_fbh4Utwk4-unsplash.jpg</image:loc>
      <image:title>Canny View Articles - The value of time (in film, literature and investments) - Make it stand out</image:title>
      <image:caption>A good story takes time to unfold. Nick Stewart says, while we might want to hurry up and resolve things neatly, life (and art) doesn’t work like that.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/the-emperors-new-portfolio</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-06-06</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/0aeec536-6bdd-4d1f-ae87-b63266342326/guerrillabuzz-SYofhg_IX3A-unsplash.jpg</image:loc>
      <image:title>Canny View Articles - The Emperor’s New Portfolio - Make it stand out</image:title>
      <image:caption>Recent scams are largely conducted remotely, via the phone or online. Nick Stewart says, if you can’t meet the adviser or promoter in person, that’s a red flag.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/wealth-whats-in-a-word-true-wealth-is-more-than-money-in-the-bank</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-06-06</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/9feb919f-421a-44f5-9bd8-37a563dc0bc9/kelli-mcclintock-u0YxCPjmEXE-unsplash.jpg</image:loc>
      <image:title>Canny View Articles - Wealth: What’s in a word? True wealth is more than money in the bank - 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.stewartgroup.co.nz/cannyview/property-in-2023-pain-amp-not-so-much-gain</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-06-06</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/3cf58d19-5395-4e27-baf1-f488c99d022c/tamanna-rumee-Wt33T42JNCM-unsplash.jpg</image:loc>
      <image:title>Canny View Articles - Property in 2023: Pain &amp;amp; (Not so Much) Gain… - 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.stewartgroup.co.nz/cannyview/boring-and-inflationary-budget-2023</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-06-06</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/5addafde-722f-40e3-bb99-794de63fd049/jeremy-yap-PQWDsr78l8w-unsplash.jpg</image:loc>
      <image:title>Canny View Articles - Boring and Inflationary: Budget 2023 - 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.stewartgroup.co.nz/cannyview/dont-bet-your-bottom-dollar-1</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-06-06</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/34fc8374-04fc-484a-a4fb-c5023b4daae3/rachel-Lo-r3a8sW90-unsplash.jpg</image:loc>
      <image:title>Canny View Articles - (Don’t) Bet Your Bottom Dollar - 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.stewartgroup.co.nz/cannyview/all-aboard-the-brain-train-next-stop-australia</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-06-06</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/e9a6a9ea-69a8-4588-bbce-55803adfc70d/Canny-230506.jpg</image:loc>
      <image:title>Canny View Articles - All Aboard the Brain Train: Next stop, Australia… - 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.stewartgroup.co.nz/cannyview/inflation-are-we-out-of-the-woods-yet</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-06-06</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/b17665ca-4e64-4093-a896-8c42e7b6f3ec/rural-explorer-oWS_3i0Y5sI-unsplash.jpg</image:loc>
      <image:title>Canny View Articles - Inflation – Are We Out of the Woods Yet? - 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.stewartgroup.co.nz/cannyview/down-the-rabbit-hole-chasing-stocks</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-06-06</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/e02e6145-bc3f-4d19-96fa-838b169d2acb/gavin-allanwood-hcxqLJjI99E-unsplash+%281%29.jpg</image:loc>
      <image:title>Canny View Articles - Down the rabbit hole, chasing stocks - 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.stewartgroup.co.nz/cannyview/brick-by-brick-building-generational-wealth-1</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-04-14</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/68b4e113-e208-466d-8243-122bdc99f176/dylan-nolte-HNXi5znlb8U-unsplash.jpg</image:loc>
      <image:title>Canny View Articles - Brick by Brick: Building Generational Wealth - 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.stewartgroup.co.nz/cannyview/the-300-staying-strong-in-uncertain-times</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-04-06</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/bf7e96dc-dde2-4fcf-b726-d7b5828ba91c/jaime-spaniol--L0N74GWsq8-unsplash.jpg</image:loc>
      <image:title>Canny View Articles - The 300: Staying Strong in Uncertain Times - 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.stewartgroup.co.nz/cannyview/investors-dont-panic-over-deficit-headlines</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-03-31</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/dd89e75e-c474-4e2d-84fa-c5262727b351/philipp-thelen-920EmWO3cOc-unsplash.jpg</image:loc>
      <image:title>Canny View Articles - Investors, don’t panic over deficit headlines - 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.stewartgroup.co.nz/cannyview/a-swiss-miss</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-03-24</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/a8fec4f4-298f-4069-8b22-b3756f79df8a/230325-Canny.jpg</image:loc>
      <image:title>Canny View Articles - A Swiss Miss - 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.stewartgroup.co.nz/cannyview/silicon-valley-bank-why-nz-investors-need-not-panic</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-03-24</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/cdebfbce-7aa6-4ba1-9645-01c6900b2f79/moja-msanii-vO9-gal54go-unsplash.jpg</image:loc>
      <image:title>Canny View Articles - Silicon Valley Bank: Why NZ Investors need not panic - 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.stewartgroup.co.nz/cannyview/bills-bills-bills</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-03-10</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/2a197bcf-ead4-4021-9280-7fe8d11b7cd3/20230210-CANNY.jpg</image:loc>
      <image:title>Canny View Articles - Bills, Bills, Bills... - Make it stand out</image:title>
      <image:caption>There’s been an increase in consumer arrears.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/the-case-for-continual-bcp-improvement</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-03-09</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/ae8e4134-8401-4f39-911e-e6275bc22bee/CANNY-230304.jpg</image:loc>
      <image:title>Canny View Articles - The Case for Continual BCP Improvement - 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.stewartgroup.co.nz/cannyview/government-funded-locally-led</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-02-24</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/1089bfc6-be4b-498c-a08a-5a05b541ac00/constantin-wenning-idDvA4jPBO8-unsplash.jpg</image:loc>
      <image:title>Canny View Articles - Government Funded, Locally Led - 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.stewartgroup.co.nz/cannyview/rebuilding-hawkes-bays-economy</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-02-22</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/f7794da3-416e-4a48-a1fa-c9a6df6e5516/kelly-sikkema-_whs7FPfkwQ-unsplash.jpg</image:loc>
      <image:title>Canny View Articles - Rebuilding Hawke's Bay's Economy - 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.stewartgroup.co.nz/cannyview/new-tech-same-story-be-wary-of-the-hype</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-02-10</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/f62cbd7e-a4cd-428f-8a3b-d1c99bf8e9e5/alex-knight-2EJCSULRwC8-unsplash.jpg</image:loc>
      <image:title>Canny View Articles - New Tech, Same Story: Be Wary of the Hype - Make it stand out</image:title>
      <image:caption>AI has come a long way. But is it a good investment?</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/the-year-that-might-be</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-02-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/45a92d7c-ac3d-4463-aa3a-52c5c0fceeb5/sage-friedman-HS5CLnQbCOc-unsplash.jpg</image:loc>
      <image:title>Canny View Articles - The Year That Might Be - Make it stand out</image:title>
      <image:caption>2023 has delivered change already - but don’t try too hard to predict what’s next in the markets.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/controlwhatyoucan</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-11-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/fd1fe30a-7c07-4e1b-9501-b6e63b388373/ankush-minda-FBL09HBLuWg-unsplash.jpg</image:loc>
      <image:title>Canny View Articles - Home Loan Repayments: Up, up, and away... - 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.stewartgroup.co.nz/cannyview/hurry-up-and-wait-the-trouble-with-market-timing</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-01-13</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/b40b6cde-d2f8-402d-b076-83d63bc9e39a/20230114-CANNY.jpg</image:loc>
      <image:title>Canny View Articles - Hurry Up and Wait: The Trouble With Market Timing - 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.stewartgroup.co.nz/cannyview/which-wolf-will-you-feed</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-01-05</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/9c7e0b36-8f1c-434c-acb5-25951ebf7781/20230107-CANNY-PIC.jpg</image:loc>
      <image:title>Canny View Articles - Which wolf will you feed? - 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.stewartgroup.co.nz/cannyview/it-aint-all-bad-change-growth-and-resolutions-dky8b</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-12-29</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/51d06f62-a46d-4bf7-a4b0-ca6c92a64e98/20221231-CANNY.jpg</image:loc>
      <image:title>Canny View Articles - It Ain’t All Bad: Change, Growth, and Resolutions - Make it stand out</image:title>
      <image:caption>What are your financial resolutions for 2023?</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/shirtsleeves-to-shirtsleeves-not-as-common-as-youd-think</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-12-21</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/a2f90e69-e1e8-42be-a571-c1a1117a6804/20221224-3GEN.jpg</image:loc>
      <image:title>Canny View Articles - Shirtsleeves to Shirtsleeves? Not as common as you’d think… - Make it stand out</image:title>
      <image:caption>Is intergenerational wealth doomed? Not necessarily, says Nick Stewart.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/cover-your-bases-especially-in-uncertain-times</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-12-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/11aca18b-9a7d-4301-bdaf-169bf5cdea6d/221217-CANNY.jpg</image:loc>
      <image:title>Canny View Articles - Cover Your Bases, Especially In Uncertain Times... - 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.stewartgroup.co.nz/cannyview/kiwisaver-middle-income-claims-are-not-a-good-sign</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-12-11</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/787259b0-ec56-4f55-a35c-f01f2ee5eff2/20221210-CANNY.jpg</image:loc>
      <image:title>Canny View Articles - KiwiSaver: Middle-income claims are not a good sign... - 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.stewartgroup.co.nz/cannyview/stay-vigilant-as-interest-rates-rise</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-12-02</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/36308cb2-abf8-4c71-9c1b-1988dcd53f15/20221203-Canny.jpg</image:loc>
      <image:title>Canny View Articles - Stay Vigilant As Interest Rates Rise - 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.stewartgroup.co.nz/cannyview/is-it-ever-too-early</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-11-28</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/738300d3-86b9-4ed5-8413-7bab4f6a8078/221126-Canny.jpg</image:loc>
      <image:title>Canny View Articles - Is It Ever Too Early? - Make it stand out</image:title>
      <image:caption>You can prepare for Christmas by shopping ahead, getting strategic about savings to account for a bigger holiday spend, and taking advantage of sales. Retirement planning isn’t so different.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/ftx-latest-crypto-collapse-loses-billions-in-customer-cash</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-11-25</lastmod>
    <image:image>
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      <image:title>Canny View Articles - FTX: Latest crypto collapse loses billions in customer cash - 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.stewartgroup.co.nz/cannyview/stay-in-your-seat-and-ride-out-the-storm</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-11-20</lastmod>
    <image:image>
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      <image:title>Canny View Articles - Stay In Your Seat And Ride Out The Storm - 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.stewartgroup.co.nz/cannyview/your-kiwisaver-questions-answered</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-11-04</lastmod>
    <image:image>
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      <image:title>Canny View Articles - Your KiwiSaver Questions Answered - 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.stewartgroup.co.nz/cannyview/inflation-savings-and-investing</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-10-28</lastmod>
    <image:image>
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      <image:title>Canny View Articles - Inflation, Savings, and Investing - 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.stewartgroup.co.nz/cannyview/not-much-relief-in-latest-cpi-figures</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-10-20</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/172a8836-690e-4dae-b346-0023a2ac2805/221021-Canny-Image.png</image:loc>
      <image:title>Canny View Articles - Not much relief in latest CPI figures - 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.stewartgroup.co.nz/cannyview/retirement-v-super-are-you-ready-for-your-financial-future</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-10-16</lastmod>
    <image:image>
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      <image:title>Canny View Articles - Retirement v Super: Are you ready for your financial future? - 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.stewartgroup.co.nz/cannyview/the-rbnz-goes-five-for-five</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-10-08</lastmod>
    <image:image>
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      <image:title>Canny View Articles - The RBNZ Goes Five for Five - 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.stewartgroup.co.nz/cannyview/7-lessons-on-volatility</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-09-29</lastmod>
    <image:image>
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      <image:title>Canny View Articles - 7 Lessons on Volatility - 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.stewartgroup.co.nz/cannyview/exodus-to-australia-greener-grass-or-rose-tinted-glasses</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-09-23</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/65eb7f69-20e0-498b-89bb-9aefca2ca516/220924-CANNY-PIC.jpg</image:loc>
      <image:title>Canny View Articles - Exodus to Australia: Greener grass, or rose-tinted glasses? - 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.stewartgroup.co.nz/cannyview/invest-in-your-future-regardless-of-todays-news</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-09-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/8a1a20d3-c1dd-4854-8c7a-14d5da75098a/220916-CANNY.jpg</image:loc>
      <image:title>Canny View Articles - Invest in your future - regardless of today's news... - 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.stewartgroup.co.nz/cannyview/wealth-not-in-the-blood-but-in-behaviour</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-09-23</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/1e959f61-bb6b-4d1c-9773-27fdfee16da2/220910-CANNY-PIC.jpg</image:loc>
      <image:title>Canny View Articles - Wealth: Not in the blood, but in behaviour - 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.stewartgroup.co.nz/cannyview/risky-business</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-09-01</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/af7eb643-f5c4-46e0-85fd-9855c8467492/2022-09-01+13_46_01-PMS+investment+is+too+risky%2C+opt+only+if+you+have+a+large+portfolio+_+Business+S.png</image:loc>
      <image:title>Canny View Articles - Risky Business - 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.stewartgroup.co.nz/cannyview/take-cover-insurance-more-important-now-than-ever</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-08-26</lastmod>
    <image:image>
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      <image:title>Canny View Articles - Take Cover...! Insurance more important now than ever - 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.stewartgroup.co.nz/cannyview/to-catch-a-falling-knife</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-08-19</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/56c38886-b591-4eab-823b-a215f906ae85/Canny+View.jpg</image:loc>
      <image:title>Canny View Articles - To Catch a Falling Knife - 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.stewartgroup.co.nz/cannyview/horrific-burns-from-celsius</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-08-12</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/0007cde3-9bb7-4918-a0de-4f4c996f37b5/max-kukurudziak-fzfDRXUya-s-unsplash.jpg</image:loc>
      <image:title>Canny View Articles - Horrific Burns from Celsius - 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.stewartgroup.co.nz/cannyview/hang-in-there-kiwisavers</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-08-11</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/b830cbde-f7a0-461c-b298-139d4c275ef2/piggy-smash+%282%29.jpg</image:loc>
      <image:title>Canny View Articles - Hang in there, KiwiSavers - 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.stewartgroup.co.nz/cannyview/making-a-meal-of-it-the-rbnz-has-muddled-their-mission</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-07-29</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/05608ceb-d476-4aaf-99d9-8d9403e05625/1200x-1.jpg</image:loc>
      <image:title>Canny View Articles - Making a meal of it: The RBNZ has muddled their mission - 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.stewartgroup.co.nz/cannyview/inflation-the-rising-tide</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-07-22</lastmod>
    <image:image>
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      <image:title>Canny View Articles - Inflation, the Rising Tide - 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.stewartgroup.co.nz/cannyview/2022/7/15/the-value-in-going-off-script</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-07-21</lastmod>
    <image:image>
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      <image:title>Canny View Articles - The Value in Going Off-Script - 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.stewartgroup.co.nz/cannyview/2022/7/9/is-mortgage-shock-setting-in</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-08-11</lastmod>
    <image:image>
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      <image:title>Canny View Articles - Is Mortgage Shock Setting In? - 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.stewartgroup.co.nz/cannyview/2022/7/2/diversification-the-world-cup-of-investing</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-07-02</lastmod>
    <image:image>
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      <image:title>Canny View Articles - Diversification: the World Cup of Investing - 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.stewartgroup.co.nz/cannyview/2022/6/23/trusting-the-swing</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-06-23</lastmod>
    <image:image>
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      <image:title>Canny View Articles - Trusting the Swing - 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.stewartgroup.co.nz/cannyview/2022/6/17/volatility-playing-the-long-game</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-06-17</lastmod>
    <image:image>
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      <image:title>Canny View Articles - Volatility: Playing the Long Game - 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.stewartgroup.co.nz/cannyview/2022/6/10/buy-now-pay-later-blues</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-06-10</lastmod>
    <image:image>
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      <image:title>Canny View Articles - Buy Now, Pay Later Blues - 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.stewartgroup.co.nz/cannyview/2022/6/3/crypto-not-a-golden-ticket</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-06-03</lastmod>
    <image:image>
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      <image:title>Canny View Articles - Crypto: Not a golden ticket - 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.stewartgroup.co.nz/cannyview/2022/5/27/ocr-chocks-away</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-05-27</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/ef1815d4-938a-47cf-b331-9230c7433360/220528-CANNY-PIC.png</image:loc>
      <image:title>Canny View Articles - OCR - Chocks Away - 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.stewartgroup.co.nz/cannyview/2022/5/21/budget-misses-the-mood-of-the-room</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-08-11</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/1d0d5ac8-38f2-4e50-a7b5-6a0b6bdc2535/20220521-CANNY-PIC.jpg</image:loc>
      <image:title>Canny View Articles - Budget misses the mood of the room - 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.stewartgroup.co.nz/cannyview/2022/5/13/swings-roundabouts-and-streaming-services</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-05-13</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/3f4ce060-5e7e-4361-8a50-58ebacf9f79d/220414-CANNY-PIC.png</image:loc>
      <image:title>Canny View Articles - Swings, roundabouts, and streaming services - 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.stewartgroup.co.nz/cannyview/2022/5/9/bonds-shaken-not-stirred</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-05-23</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/d8ec7401-cde6-4691-9535-56cf150febd8/20220507-CANNY-BONDS-PIC.png</image:loc>
      <image:title>Canny View Articles - Bonds - shaken, not stirred? - 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.stewartgroup.co.nz/cannyview/2022/4/29/prepare-for-the-brain-drain</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-04-29</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/253b0939-cbca-4d72-be8d-6b49dfbd1120/220430-CANNY-TILE-3.png</image:loc>
      <image:title>Canny View Articles - Prepare for the brain drain - 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.stewartgroup.co.nz/cannyview/2022/4/23/watching-with-interest</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-04-23</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/7de95eaa-9853-4ed4-b9da-77dc047301e9/220423-PIC.png</image:loc>
      <image:title>Canny View Articles - Watching with interest - 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.stewartgroup.co.nz/cannyview/2022/4/16/chocolate-coins-and-other-dubious-currency</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-04-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/4ee9a83b-f7e0-4867-887a-30eec9c0458e/20220416-CANNY-PIC.jpg</image:loc>
      <image:title>Canny View Articles - Chocolate coins (and other dubious currency) - 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.stewartgroup.co.nz/cannyview/2022/4/11/the-rising-cost-of-living</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-04-10</lastmod>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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  </url>
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    <lastmod>2025-12-04</lastmod>
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      <image:title>Canny View Articles - Save it for later: The CCCFA revisited - 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>
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    <image:image>
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      <image:caption>Image: REINZ</image:caption>
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    <image:image>
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      <image:title>Canny View Articles - Save it for later: The CCCFA revisited - Make it stand out</image:title>
      <image:caption>Image: Kāinga Ora</image:caption>
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  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/2022/3/28/choosing-the-greener-path</loc>
    <changefreq>monthly</changefreq>
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    <lastmod>2022-03-27</lastmod>
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      <image:title>Canny View Articles - Choosing the Greener Path - 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>
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  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/2022/3/21/diamonds-and-caviar</loc>
    <changefreq>monthly</changefreq>
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    <lastmod>2022-04-10</lastmod>
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      <image:title>Canny View Articles - Diamonds and Caviar - 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>
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  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/2022/3/14/all-that-and-a-bag-of-chips</loc>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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  </url>
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    <loc>https://www.stewartgroup.co.nz/cannyview/2022/3/5/preparation-the-key-to-success</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-03-05</lastmod>
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      <image:title>Canny View Articles - Preparation: the Key to Success - 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>
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  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/2022/2/25/all-that-glitters-might-be-a-scam</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-04-10</lastmod>
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      <image:title>Canny View Articles - All that glitters... might be a scam - 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/v1/59f10713edaed8d2d2501c0c/e8f3a545-a0c0-4888-badb-f61eb0959951/2022-02-23+16_38_48-Stewart+Group+_+Facebook.jpg</image:loc>
      <image:title>Canny View Articles - All that glitters... might be a scam - 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>
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  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/2022/2/25/navigating-geopolitical-events-1</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-12-04</lastmod>
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      <image:title>Canny View Articles - Navigating Geopolitical Events - 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>
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  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/2022/2/18/banking-on-change</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-12-04</lastmod>
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      <image:title>Canny View Articles - Banking on Change - 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>
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      <image:title>Canny View Articles - Banking on Change - Make it stand out</image:title>
      <image:caption>Dannevirke’s old Bank of New Zealand building - one of many old banking buildings around NZ (picture: realestate.co.nz)</image:caption>
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    <image:image>
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      <image:title>Canny View Articles - Banking on Change - Make it stand out</image:title>
      <image:caption>The infamous Saab convertible (picture: zecars.com)</image:caption>
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  <url>
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    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-04-10</lastmod>
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      <image:title>Canny View Articles - We Had Better Have a Plan – Corrections, Risk and Tolerance - 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.stewartgroup.co.nz/cannyview/2022/2/8/volatility-give-it-time</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-02-07</lastmod>
    <image:image>
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      <image:title>Canny View Articles - Volatility: Give it Time - 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>
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  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/2022/1/31/for-want-of-a-nail</loc>
    <changefreq>monthly</changefreq>
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    <lastmod>2025-12-04</lastmod>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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  </url>
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    <loc>https://www.stewartgroup.co.nz/cannyview/2022/1/24/its-a-jobseekers-world-after-all</loc>
    <changefreq>monthly</changefreq>
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    <lastmod>2022-01-24</lastmod>
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      <image:title>Canny View Articles - It’s a Jobseeker’s World, After All - 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>
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  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/2022/1/14/10-reasons-for-financial-advice</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-01-16</lastmod>
    <image:image>
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      <image:title>Canny View Articles - 10 Reasons for Financial Advice - 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>
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  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/2022/1/8/whats-independent-anyway</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-01-08</lastmod>
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      <image:title>Canny View Articles - What's "Independent" Anyway? - 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>
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  </url>
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    <changefreq>monthly</changefreq>
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    <lastmod>2022-01-01</lastmod>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <changefreq>monthly</changefreq>
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    <lastmod>2021-12-25</lastmod>
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      <image:title>Canny View Articles - Prepping the Piggybanks - 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>
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  </url>
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    <loc>https://www.stewartgroup.co.nz/cannyview/2021/12/18/the-new-defaults</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2021-12-18</lastmod>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/2021/12/10/the-downsides-of-diy-investing</loc>
    <changefreq>monthly</changefreq>
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    <lastmod>2021-12-11</lastmod>
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      <image:title>Canny View Articles - The Downsides of DIY Investing - 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>
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    <changefreq>monthly</changefreq>
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    <lastmod>2021-12-04</lastmod>
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      <image:title>Canny View Articles - The Hard Yards - 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>
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  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/2021/11/27/turning-up-the-heat-on-housing</loc>
    <changefreq>monthly</changefreq>
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    <lastmod>2021-11-27</lastmod>
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      <image:title>Canny View Articles - Turning up the Heat on Housing - 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>
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  </url>
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    <loc>https://www.stewartgroup.co.nz/cannyview/2021/11/19/getting-super-motivated</loc>
    <changefreq>monthly</changefreq>
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    <lastmod>2021-11-18</lastmod>
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      <image:title>Canny View Articles - Getting Super Motivated - 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>
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  </url>
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    <loc>https://www.stewartgroup.co.nz/cannyview/2021/11/11/when-it-rains-it-pours</loc>
    <changefreq>monthly</changefreq>
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    <lastmod>2021-11-16</lastmod>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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  </url>
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    <loc>https://www.stewartgroup.co.nz/cannyview/2021/11/8/the-skinny-on-cefex-accreditation</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2021-11-08</lastmod>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <changefreq>monthly</changefreq>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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  </url>
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    <loc>https://www.stewartgroup.co.nz/cannyview/2021/10/21/lets-talk-inflation</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2021-10-22</lastmod>
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      <image:title>Canny View Articles - Let's talk Inflation - 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>
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  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/2021/10/15/is-property-still-the-golden-goose</loc>
    <changefreq>monthly</changefreq>
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    <lastmod>2021-10-14</lastmod>
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      <image:title>Canny View Articles - Is property still the golden goose? - 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>
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  </url>
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    <loc>https://www.stewartgroup.co.nz/cannyview/2021/10/6/the-5th-birthday-1</loc>
    <changefreq>monthly</changefreq>
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    <lastmod>2021-10-08</lastmod>
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      <image:title>Canny View Articles - The 5th Birthday - 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>
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  </url>
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    <loc>https://www.stewartgroup.co.nz/cannyview/2021/10/4/the-crypto-trading-hamster-whos-crushing-it-1</loc>
    <changefreq>monthly</changefreq>
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      <image:title>Canny View Articles - The Crypto Trading Hamster Who’s Crushing it - 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.stewartgroup.co.nz/cannyview/2021/9/22/how-to-stop-fighting-about-money</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2021-09-23</lastmod>
    <image:image>
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      <image:title>Canny View Articles - How to Stop Fighting about 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.stewartgroup.co.nz/cannyview/2021/9/16/risk-of-investing-in-individual-stocks-and-countries</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2021-09-21</lastmod>
    <image:image>
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      <image:title>Canny View Articles - Risk of Investing in Individual Stocks and Countries - 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.stewartgroup.co.nz/cannyview/2021/9/8/the-pre-retirement-squeeze</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2021-09-11</lastmod>
    <image:image>
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      <image:title>Canny View Articles - The Pre-Retirement Squeeze - 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.stewartgroup.co.nz/cannyview/2021/8/31/dealing-with-cognitive-decline</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2021-09-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/1630390644948-V72XR32FCUW961GAQQBR/dementia.jpeg</image:loc>
      <image:title>Canny View Articles - Dealing with Cognitive Decline - 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.stewartgroup.co.nz/cannyview/2021/8/27/why-bonds-are-like-ballast</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2021-09-01</lastmod>
    <image:image>
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      <image:title>Canny View Articles - Why Bonds are like Ballast - 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.stewartgroup.co.nz/cannyview/2020/4/3/covid-19-special-focus-toilet-paper-vs-equities-2tx25</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-12-04</lastmod>
    <image:image>
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      <image:title>Canny View Articles - Toilet Paper Vs Equities | Covid-19 Special Focus</image:title>
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  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/2021/8/19/wellbeing-and-positive-psychology</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2021-08-20</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/1629330452806-8JXPATRTRE2EONK597QN/morgan-housel-bY5OUwKx3XU-unsplash.jpeg</image:loc>
      <image:title>Canny View Articles - Wellbeing and Positive Psychology - 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.stewartgroup.co.nz/cannyview/2021/8/12/the-value-of-advice-1</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2021-08-31</lastmod>
    <image:image>
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      <image:title>Canny View Articles - The Value of Advice - 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.stewartgroup.co.nz/cannyview/2021/8/6/why-you-should-not-lose-sleep-over-market-volatility</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2021-08-31</lastmod>
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      <image:title>Canny View Articles - Why you should not lose sleep over market volatility - 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.stewartgroup.co.nz/cannyview/2021/7/30/vote-with-your-dollars</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2021-07-30</lastmod>
    <image:image>
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      <image:title>Canny View Articles - Vote with your Dollars - 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.stewartgroup.co.nz/cannyview/2021/7/23/are-concerns-about-inflation-inflated</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2021-07-25</lastmod>
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      <image:title>Canny View Articles - Are Concerns About Inflation Inflated? - Make it stand out</image:title>
      <image:caption>Graphics by Stewart Group</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/2021/7/17/all-roads-lead-to-rome</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-12-04</lastmod>
    <image:image>
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      <image:title>Canny View Articles - All Roads Lead to Rome - 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.stewartgroup.co.nz/cannyview/2021/7/9/coffee-conversations</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-04-10</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/1625792916785-XBVVIOME998P6C9CMISU/taylor-franz-GJogrGZxKJE-unsplash.jpg</image:loc>
      <image:title>Canny View Articles - Coffee Conversations - 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.stewartgroup.co.nz/cannyview/2021/7/2/be-wary-of-finfluencers</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-12-04</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/1625186500953-LXB61N7YHSKTB9QF0ZSI/steve-gale-e7jq0NH9Fbg-unsplash.jpg</image:loc>
      <image:title>Canny View Articles - Be wary of Finfluencers - 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.stewartgroup.co.nz/cannyview/2021/6/26/good-and-getting-better</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-12-04</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/1624830555122-W7NB93IYY0F0411JIHLO/Good+and+getting+better+%7C+Canny+View%2C+Stewart+Group</image:loc>
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      <image:caption>Image Source - The Morning Consult</image:caption>
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  </url>
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    <loc>https://www.stewartgroup.co.nz/cannyview/2021/6/18/one-simple-thing</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2021-06-23</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/1623969601765-TESEO913PYISGK71SGNT/One+Simple+Thing+%7C+Canny+View%2C+Stewart+Group</image:loc>
      <image:title>Canny View Articles - One Simple Thing - 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.stewartgroup.co.nz/cannyview/2021/6/12/to-bit-or-not-to-bit</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-04-10</lastmod>
    <image:image>
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      <image:title>Canny View Articles - To Bit or Not to Bit - 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.stewartgroup.co.nz/cannyview/2021/6/9/are-you-on-track-to-get-an-extra-521-into-your-kiwisaver</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2021-06-17</lastmod>
    <image:image>
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      <image:title>Canny View Articles - Are you on track to get an extra $521 into your KiwiSaver? - 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.stewartgroup.co.nz/cannyview/2021/6/4/the-lesser-known-link-between-investment-and-return</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-04-10</lastmod>
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      <image:title>Canny View Articles - The lesser-known link between investment and return - 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.stewartgroup.co.nz/cannyview/2021/5/29/recognising-the-social-purpose-of-investing</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-04-10</lastmod>
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      <image:title>Canny View Articles - Recognising the Social Purpose of Investing - 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.stewartgroup.co.nz/cannyview/2021/5/14/spilled-milk</loc>
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    <lastmod>2021-05-25</lastmod>
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  </url>
  <url>
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    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2021-05-25</lastmod>
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    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2021-05-25</lastmod>
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      <image:title>Canny View Articles - Beware of shiny things</image:title>
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    <loc>https://www.stewartgroup.co.nz/cannyview/2021/4/24/lazy-money</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2021-05-25</lastmod>
    <image:image>
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      <image:title>Canny View Articles - Lazy Money</image:title>
      <image:caption>Image source: Behance, Tinkoff Investments</image:caption>
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    <lastmod>2021-05-25</lastmod>
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    <lastmod>2021-05-25</lastmod>
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    <lastmod>2021-05-25</lastmod>
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      <image:title>Canny View Articles - Your Sustainability Choices</image:title>
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    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2021-05-25</lastmod>
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      <image:caption>Property-owning class vs everyone else, tearing the egalitarian nature of New Zealand society.</image:caption>
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  </url>
  <url>
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    <lastmod>2021-05-25</lastmod>
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      <image:title>Canny View Articles - Commonalities between Winemaking &amp;amp; Investing</image:title>
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  <url>
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    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2021-05-25</lastmod>
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      <image:title>Canny View Articles - There is no free advice</image:title>
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    <lastmod>2021-05-25</lastmod>
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    <lastmod>2021-05-25</lastmod>
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  <url>
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    <lastmod>2022-04-10</lastmod>
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    <lastmod>2020-11-30</lastmod>
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      <image:caption>Politics evoke strong emotions, and election seasons can be a difficult time for people to maintain a long-term perspective.</image:caption>
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    <lastmod>2020-09-07</lastmod>
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      <image:caption>NZX50 index from 1 July 1986 - 31 August 2009. Source: Effects of New Zealand General Elections on Stock Market Returns by Sazali Abidin, Clare Old and Thomas Martin</image:caption>
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      <image:caption>Source: Dimensional Returns Web</image:caption>
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    <lastmod>2020-07-30</lastmod>
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    <lastmod>2022-04-10</lastmod>
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    <lastmod>2020-07-15</lastmod>
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    <lastmod>2022-04-10</lastmod>
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    <lastmod>2020-06-17</lastmod>
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      <image:caption>Carolyn said the regions economy was in "good shape" prior to COVID-19 and she expected it to do better than the New Zealand economy overall in recovery.</image:caption>
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      <image:caption>Nick said that the economic impact is profound, widespread and much like the virus itself, unrestrained, as it affects everyone.</image:caption>
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      <image:caption>Businesses should prepare for an eventual recovery while they are still reacting to the crisis.</image:caption>
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      <image:caption>"It's not the information overload; it's filter failure." - Clay Shirky.</image:caption>
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      <image:caption>Rest in Peace Posters of Dr Li Wenliang, who warned authorities about the coronavirus outbreak seen at Hosier Lane in Melbourne, Australia. Hosier Lane is known for its street art.</image:caption>
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    <lastmod>2022-04-10</lastmod>
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    <lastmod>2020-06-17</lastmod>
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    <lastmod>2020-03-08</lastmod>
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      <image:caption>Click on the above image to expand</image:caption>
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    <loc>https://www.stewartgroup.co.nz/cannyview/2020/1/11/dont-bother-trying-to-pick-stocks</loc>
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    <priority>0.5</priority>
    <lastmod>2020-02-10</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/1578858723180-FU9BSJTLD64DUV5JDP0T/photo-1506224988854-3f6992c9334d.jpg</image:loc>
      <image:title>Canny View Articles - Don’t bother trying to pick stocks</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/2019/12/28/the-year-that-wasnt</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-04-10</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/1576724493857-UDX9I8WY8OWGWV4EGAMY/Canny+View%3A+The+Year+that+was</image:loc>
      <image:title>Canny View Articles - The year that wasn’t</image:title>
      <image:caption>These so-called ‘year-enders’ are worth revisiting 12 months on.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/2019/12/21/the-decade-ahead</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-04-10</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/1576724126305-38L0MMVE29XCUDPWVOK3/amy-shamblen-BV8Ka-JE0Cs-unsplash.jpg</image:loc>
      <image:title>Canny View Articles - The Decade Ahead</image:title>
      <image:caption>Give yourself the best chance to increase your wealth in the decade ahead!</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/2019/12/17/make-a-bold-entry-into-2020</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2019-12-18</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/1576543967880-U3BQL7I3SLSP6X5XIHKQ/1.png</image:loc>
      <image:title>Canny View Articles - Make a bold entry into 2020</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/1576544006970-5BPICU09XDCUWPDV1TY3/2.png</image:loc>
      <image:title>Canny View Articles - Make a bold entry into 2020</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/1576544075807-J8W4LPAVS43Q17R400HY/3.png</image:loc>
      <image:title>Canny View Articles - Make a bold entry into 2020</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/1576544571832-M3QU8SCZXV7YKP8R0AA3/4.png</image:loc>
      <image:title>Canny View Articles - Make a bold entry into 2020</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/1576544711214-YH1Z9U8IL0TYZ6OBWMUC/8.png</image:loc>
      <image:title>Canny View Articles - Make a bold entry into 2020</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/1576544598064-BRM2WDB70LMX7O3FM1DE/5.png</image:loc>
      <image:title>Canny View Articles - Make a bold entry into 2020</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/1576544733531-G7NSN2Y0DUDGQQ33VPOA/9.png</image:loc>
      <image:title>Canny View Articles - Make a bold entry into 2020</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/1576544643543-33YLPNWYUNEE0CCJ8ENH/image-asset.png</image:loc>
      <image:title>Canny View Articles - Make a bold entry into 2020</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/1576544916435-C5ZMKDP90T86Q5NIT4DJ/10.png</image:loc>
      <image:title>Canny View Articles - Make a bold entry into 2020</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/2019/12/14/canny-view-super-65-or-67</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2019-12-18</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/1576446727731-P8C4VRRI8ABJUQ9IKV3J/photo-1471400974796-1c823d00a96f.jpg</image:loc>
      <image:title>Canny View Articles - Canny View: Super 65 (or 67?)</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/2019/12/9/defining-adviser-alpha</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-04-10</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/1575842263433-PAB5WJD2RF7XU420CKEJ/markus-spiske-QozzJpFZ2lg-unsplash.jpg</image:loc>
      <image:title>Canny View Articles - Defining Adviser Alpha</image:title>
      <image:caption>Let's try to get to the bottom of what alpha is within financial advice</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/2019/11/30/women-can-do-better</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-04-10</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/1575233187917-W7CMQP8RVKDCT8642RK0/priscilla-du-preez-nF8xhLMmg0c-unsplash.jpg</image:loc>
      <image:title>Canny View Articles - Women can do better</image:title>
      <image:caption>Women approach risk differently and could achieve a steadier financial growth over time.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/2019/11/23/lifestyle-comparisons-pointless-in-debtland</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-04-10</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/1574623295309-SVHA4QX2HSQ6SYS0VHXS/tim-gouw--gjHizUfFlM-unsplash.jpg</image:loc>
      <image:title>Canny View Articles - Lifestyle comparisons pointless in debtland</image:title>
      <image:caption>Life is a marathon not a sprint - learn to pace yourself!</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/2019/11/16/millennials-need-a-financial-plan</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2019-11-20</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/1574021054607-SX25W520AOMFPRQ1SYJ2/you-x-ventures-4-iZ147pSAE-unsplash.jpg</image:loc>
      <image:title>Canny View Articles - Millennials need a financial plan</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/2019/11/9/got-any-financial-freedom-plans</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-04-10</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/1573436648677-W7C7Q637K2QYL1WK730J/elena-koycheva-GUYCM0jhuSA-unsplash1.jpg</image:loc>
      <image:title>Canny View Articles - Got any financial freedom plans?</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/2019/11/2/ladies-dont-put-your-financial-security-at-risk</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-04-10</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/1572812059431-VZKUBI8XBL1WRZYXP29F/marissa-price-450219-unsplash.jpg</image:loc>
      <image:title>Canny View Articles - Ladies, don’t put your financial security at risk</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/2019/10/19/simply-super</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-04-10</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/1571603058754-2VITZOTUAFCFGW9L8VVV/Canny+View%3A+Simply+Super+%7C+Stewart+Group</image:loc>
      <image:title>Canny View Articles - Simply Super</image:title>
      <image:caption>Finding $20 in your pocket is always great but imagine finding thousands of dollars in super that you had lost track of? According to the Australian Taxation Office (ATO), as at 17 May 2019, there was AUD$ 17.5 billion funds in lost and unclaimed super money, and we know that a large proportion of these funds belongs to Kiwis. The cordial relationship we have with our closest neighbours, (outside of the rugby pitch) means that we enjoy the opportunity to live in each other's backyard. With golden beaches and a warmer climate, there are estimated to be more than 650,000 New Zealanders living in Australia, and a larger number lived and worked there, before heading back to this side of the ditch. While New Zealand was a little slow off the mark with setting up KiwiSaver in 2007, Australia was ahead of the curve. Australia enforced compulsory superannuation in 1992, building on the superannuation system they had in place for union members. Here, KiwiSaver is still not compulsory. To put this lag effect into perspective, the total value of KiwiSaver recently surpassed NZD $57 billion while the Australian superannuation market is valued about AUD $2.9 trillion at the end of the June 2019 quarter. One of the interesting features of compulsory superannuation in Australia is the tie with personal insurance, such as life and income protection. By law, people in Australia are passively channelled into life insurance policies, which provide for income protection insurance and lump-sum pay-outs on death or total and permanent disability [TPD] – through "group" deals struck between insurers and super funds. They are structured on an "opt-out" basis, which means premiums are paid directly from the member's super fund unless the member specifically opts out. For those Kiwis that we meet, with Australian superannuation, many of them forgot to cancel/opt-out of the insurance cover they have in place in Australia. Unfortunately, they are often paying for something that does not exist as many of the insurance policies that we've seen have clauses that cease the insurance cover once the member has left, or is no longer a resident of, Australia. As insurance premiums and super fees are charged directly out of the member's super fund, the result is often reduced returns on your investments. And for those who had multiple jobs in Australia, they may be paying fees on multiple supers. The good news is effective from 1 July 2019, super funds will cancel insurance on super accounts that have not received contributions for at least 16 months. But if you didn't know the policy rules and hadn't opted out of your insurance, the insurance premiums could continue eating into your nest eggs for another 16 months from the day your super account stopped receiving contributions. If this sounds familiar to you, don't let it continue. Under the Trans-Tasman Savings Portability scheme, returning Kiwis and Australians who permanently emigrate to NZ, can transfer their supers to a KiwiSaver scheme. There are various pros and cons to consider, as well as the need to complete certain documentation, but it's an option that many more super holders are acting upon. Get in touch with a financial adviser today to discuss your super situation.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/2019/10/12/in-ones-best-interest</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-04-10</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/1571001750195-SLCTWZ2P3643P4WVVD3S/Agency-conflicts.jpg</image:loc>
      <image:title>Canny View Articles - In one's best interest</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/2019/10/5/lightening-the-mental-load</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-04-10</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/1570395483047-5UGAXBUHV8EL6XEL7SL1/nik-shuliahin-BuNWp1bL0nc-unsplash.jpg</image:loc>
      <image:title>Canny View Articles - Lightening the mental load</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/2019/9/28/closing-the-gap</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2019-09-30</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/1569872214259-MACN0EX7BSKG8DPZ0ZUI/brooke-lark-nMffL1zjbw4-unsplash.jpg</image:loc>
      <image:title>Canny View Articles - Closing the gap</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/2019/9/21/the-100-year-life</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2019-09-22</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/1569187448474-9HBNNAPLB64I8SLSBBLE/100-Year-Life</image:loc>
      <image:title>Canny View Articles - The 100-year Life</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/2019/9/14/transitioning-to-a-goals-based-future</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-04-10</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/1568587355985-EVZ1LH3YEKBTN7PGH4JE/dan-dealmeida-1WfrQxE3Rm0-unsplash.jpg</image:loc>
      <image:title>Canny View Articles - Transitioning to a Goals Based Future</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/2019/9/7/optimism-is-the-only-realism</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2019-09-17</lastmod>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/2019/8/31/what-it-means-to-run-a-trust-in-2021</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-04-10</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/1567112976333-TJJON1V4A6FTB4RD4YNK/Canny+View%3A+What+it+means+to+run+a+Trust+in+2021%3F</image:loc>
      <image:title>Canny View Articles - What it means to run a Trust in 2021?</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/2019/8/24/timing-isnt-everything</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-04-10</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/1566856013554-PGLRFCFM2PXCYCPAQ2ZH/First+US+yield+curve+inversion+between+two-year+and+ten-year+bonds+since+2007.jpg</image:loc>
      <image:title>Canny View Articles - Timing isn't everything</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/2019/8/17/we-all-need-to-know-financial-control</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-04-10</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/1566161053261-Z8S4MDDYWC7XSXNKFX5H/crop635w_iStock-637108448.jpg</image:loc>
      <image:title>Canny View Articles - We all need to know financial control</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/2019/8/12/and-its-a-cut-again</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-04-10</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/1565560129690-L8T1W5W1OO63YQWHUVUE/And+it%27s+a+cut%2C+again%21+%7C+Canny+View%3A+Stewart+Group</image:loc>
      <image:title>Canny View Articles - And it's a cut, again!</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/2019/7/23/kiwis-gamble-on-financial-risk</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2019-08-01</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/1564624587725-Y99J1P3GVO6Q1ONN9NI4/ben-white-e92L8PwcHD4-unsplash.jpg</image:loc>
      <image:title>Canny View Articles - Don’t risk being under-insured</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/2019/7/27/five-lessons-from-a-ponzi-scheme-victim</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-04-10</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/1564629949700-R4XOUXXWCALE3LY1B6PE/what-is-a-ponzi-scheme.png</image:loc>
      <image:title>Canny View Articles - Five Lessons from a Ponzi scheme victim</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/2019/7/18/the-cricket-world-cup-outcome-bias-and-outrageous-fortune</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-09-21</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/0ae68bb1-78dd-469d-9dd0-1bc158dccba1/alessandro-bogliari-oDs_AxeR5g4-unsplash.jpg</image:loc>
      <image:title>Canny View Articles - The Cricket World Cup, Outcome Bias and Outrageous Fortune</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/2019/7/13/the-ipo-saga</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-04-10</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/1563144265055-SQT42286BEOM8WSSCULM/The+IPO+saga.png</image:loc>
      <image:title>Canny View Articles - The IPO Saga</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/2019/7/6/using-and-abusing-warren-buffett-quotes</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-04-10</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/1562632423266-IGGMWCBZXYJ3KDCTP659/ss-1-3.jpg</image:loc>
      <image:title>Canny View Articles - Using and Abusing Warren Buffett quotes</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/2019/7/2/strategies-for-the-five-ages-of-kiwisaver</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2019-08-19</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/1562034714982-FHHUBS28385CRADIB49I/marissa-price-450219-unsplash.jpg</image:loc>
      <image:title>Canny View Articles - Strategies for the five ages of KiwiSaver</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/2019/7/1/have-you-got-it-covered</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2019-07-01</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/1561953276799-8B5CHAM8XBXNUL5LTT53/jametlene-reskp-gM3By71lISE-unsplash.jpg</image:loc>
      <image:title>Canny View Articles - Have you got it covered?</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/2019/6/29/make-sure-you-have-a-fire-drill-for-your-investment-plan</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-04-10</lastmod>
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    <lastmod>2022-04-10</lastmod>
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      <image:caption>Simon Gilbertson, Don Stewart, Nick Stewart and Natasha Gilbertson of Maraekakaho who bought the vertical lot of Nick Stewart's collection of Te Mata Coleraine.</image:caption>
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      <image:caption>In front centre Natasha and Simon Gilbertson of Maraekakaho who bought the collection of Te Mata Coleraine.</image:caption>
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    <lastmod>2018-09-27</lastmod>
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    <lastmod>2018-09-23</lastmod>
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    <lastmod>2018-07-27</lastmod>
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    <lastmod>2022-04-10</lastmod>
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    <lastmod>2022-04-10</lastmod>
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    <loc>https://www.stewartgroup.co.nz/cannyview/2018/7/21/financial-plan-is-like-a-voyage-so-have-navigator-onboard</loc>
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    <lastmod>2022-04-10</lastmod>
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    <lastmod>2022-04-10</lastmod>
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    <loc>https://www.stewartgroup.co.nz/cannyview/2018/7/14/nz-and-its-ongoing-property-obsession</loc>
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    <priority>0.5</priority>
    <lastmod>2022-04-10</lastmod>
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      <image:caption>published in Hawke's Bay Today, NZ Herald</image:caption>
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  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/2018/7/7/let-world-cup-teach-you-investment-lessons</loc>
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    <lastmod>2022-04-10</lastmod>
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    <loc>https://www.stewartgroup.co.nz/cannyview/2018/7/7/rare-te-mata-estate-coleraine-vertical-donated-by-stewart-group</loc>
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    <priority>0.5</priority>
    <lastmod>2018-07-08</lastmod>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/2018/6/30/kiwisaver-can-your-investment-path-be-improved</loc>
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    <lastmod>2022-04-10</lastmod>
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      <image:title>Canny View Articles - KiwiSaver: Can your investment path be improved? - Canny view by Nick Stewart, AFA &amp; CEO.</image:title>
      <image:caption>Published in NZ Herald, Hawke's Bay Today.</image:caption>
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  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/2018/6/29/is-health-insurance-worth-it</loc>
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    <priority>0.5</priority>
    <lastmod>2018-07-02</lastmod>
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  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/2018/6/23/your-tax-data-is-ripe-for-artificial-intelligence</loc>
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    <priority>0.5</priority>
    <lastmod>2022-04-10</lastmod>
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  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/2018/6/16/the-wine-lovers-guide-to-investing</loc>
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    <priority>0.5</priority>
    <lastmod>2022-04-10</lastmod>
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      <image:title>Canny View Articles - The wine lover's guide to investing - Canny view by Nick Stewart, CEO &amp; Authorised Financial Adviser</image:title>
      <image:caption>published in NZ Herald, Hawk's Bay Today.</image:caption>
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  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/2018/6/9/the-devil-wears-nada</loc>
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    <priority>0.5</priority>
    <lastmod>2018-07-19</lastmod>
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      <image:title>Canny View Articles - The Devil wears nada - A canny view by Nick Stewart, CEO &amp; Authorised Financial Adviser.</image:title>
      <image:caption>Published in NZ Herald, Hawke's Bay Today.</image:caption>
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  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/2018/6/2/busy-investing-is-not-smart-investing</loc>
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    <priority>0.5</priority>
    <lastmod>2018-07-19</lastmod>
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      <image:caption>Published in Hawke's Bay Today</image:caption>
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  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/2018/5/26/take-harder-look-at-advisers-cosy-commissions</loc>
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    <lastmod>2018-05-30</lastmod>
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    <loc>https://www.stewartgroup.co.nz/cannyview/2018/5/23/tax-residency-alert-are-you-ready</loc>
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    <lastmod>2025-12-04</lastmod>
    <image:image>
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      <image:title>Canny View Articles - Tax Residency Alert: Are you ready? - Tax Residency Alert:    Are you ready?</image:title>
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  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/2018/5/19/going-green-with-your-investments</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-04-10</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/1526939204151-XR39WRA0LXHZN4DU7AIR/The-First-Green-Bond-ETF-for-Sustainable-Investment-Projects.jpg</image:loc>
      <image:title>Canny View Articles - Going green with your investments - Canny View by Glen Trillo, Head of Wealth</image:title>
      <image:caption>Published in Hawke's Bay Today</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/2018/5/12/money-talks-with-your-kids</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-05-14</lastmod>
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      <image:title>Canny View Articles - Money talks with your kids - Canny View by Nick Stewart, CEO &amp; Authorised Financial Adviser</image:title>
      <image:caption>Published in Hawke's Bay Today.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/2018/5/5/the-espresso-portfolio</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-04-10</lastmod>
    <image:image>
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      <image:title>Canny View Articles - The espresso portfolio - Canny View by Nick Stewart, CEO &amp; Authorised Financial Adviser</image:title>
      <image:caption>Published in Hawke's Bay Today.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/2018/5/1/warning-for-nzs-financial-advice-services-sector</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-04-10</lastmod>
    <image:image>
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      <image:title>Canny View Articles - … as Aussie dealer group head issues repeat warning on FSLAB - Peter Mancell about Financial Service Legislation Amendment Bill in New Zealand</image:title>
      <image:caption>Published in Investment News New Zealand.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/2018/4/28/unhealthy-attachments-to-bad-investments</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-07-19</lastmod>
    <image:image>
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      <image:title>Canny View Articles - Unhealthy attachments to bad investments - Canny View by Glen Trillo, Authorised Financial Adviser</image:title>
      <image:caption>published in Hawke's Bay Today</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/2018/4/27/everything-about-wills</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-05-22</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/1524789360799-GTTZ35FDF5S5L14CPB2E/BAA+Newsletter+%286%29.png</image:loc>
      <image:title>Canny View Articles - Everything about Wills</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/2018/4/27/ready-for-kiwisaver-member-tax-credit</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-05-29</lastmod>
    <image:image>
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      <image:title>Canny View Articles - Ready for KiwiSaver Member Tax Credit?</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/2018/4/23/which-hat-are-you-wearing</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-04-10</lastmod>
    <image:image>
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      <image:title>Canny View Articles - Which hat are you wearing? - Canny View by Nick Stewart, CEO &amp; Authorised Financial Adviser</image:title>
      <image:caption>Published in Hawke's Bay Today, NZ Herald</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/2018/4/16/rainy-day-investing</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-04-10</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/1523825813840-D9F3KG6L6TRQFO96OXUS/rainy-day.jpeg</image:loc>
      <image:title>Canny View Articles - Rainy-day Investing - As published in Hawke's Bay Today.  </image:title>
      <image:caption>A canny view by Don Stewart, Authorised Financial Adviser.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/2018/4/7/a-retirement-confab-with-the-folks</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-04-10</lastmod>
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      <image:title>Canny View Articles - A retirement confab with the folks - Canny View article</image:title>
      <image:caption>Published in Hawke's Bay Today.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/2018/3/31/the-future-of-data-in-financial-advice</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-04-10</lastmod>
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      <image:title>Canny View Articles - The future of data in financial advice - As published in Hawke's Bay Today. Canny View by Rory O'Neill, Head of Operations &amp; Finance</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/2018/3/29/set-money-goals-youll-stick-to</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-04-10</lastmod>
    <image:image>
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      <image:title>Canny View Articles - Set money goals you'll stick to...</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/2018/3/24/in-and-out-of-currency-fashion</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-04-10</lastmod>
    <image:image>
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      <image:title>Canny View Articles - In and out of currency fashion - As published in Hawke's Bay Today. Canny View by Nick Stewart, CEO &amp; Authorised Financial Adviser.</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/2018/3/17/fine-wine-investment-too-good-to-be-true</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-04-10</lastmod>
    <image:image>
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      <image:title>Canny View Articles - Fine-wine investment too good to be true - As published in Hawke's Bay Today. A canny View by Nick Stewart, CEO &amp; Authorised Financial Adviser</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/2018/3/10/protect-your-business-against-the-unexpected</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-04-10</lastmod>
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      <image:title>Canny View Articles - Protect your business against the unexpected - As published in Hawke's Bay Today. Canny View by Trudi Vossen, Authorised Financial Adviser</image:title>
      <image:caption>Canny View by Trudi Vossen, Authorised Financial Adviser</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/2018/2/27/kiwisaver-vs-volatility</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-04-10</lastmod>
    <image:image>
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      <image:title>Canny View Articles - KiwiSaver Vs. Volatility - by Brad MacDonald, Head of Pensions.</image:title>
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  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/2018/2/26/why-we-do-what-we-do-stories-that-motivates-us</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-04-10</lastmod>
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      <image:title>Canny View Articles - Why We Do What We Do: Stories that motivates us. - by Trudi Vossen, Risk Management Adviser.</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/2018/2/26/should-i-consider-dollar-cost-averaging</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-04-10</lastmod>
    <image:image>
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      <image:title>Canny View Articles - Should I consider dollar cost averaging? - By Glen Trillo, Head of Wealth.</image:title>
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  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/2018/2/24/will-i-run-out-of-money-in-retirement</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-04-10</lastmod>
    <image:image>
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      <image:title>Canny View Articles - Will I run out of money in retirement? - As published in Hawke's Bay Today.</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/2018/2/17/seven-simple-lessons-on-volatility</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-04-10</lastmod>
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      <image:title>Canny View Articles - Seven simple lessons on volatility - As published in Hawke's Bay Today. Canny View by Nick Stewart, Authorised Financial Adviser.</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/2018/2/10/ai-and-real-time-risk-decisions-in-wealth-management</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-04-10</lastmod>
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      <image:title>Canny View Articles - AI and real-time risk decisions in wealth management - as published in Hawke's Bay Today. Canny View by Rory O'Neill, Head of Operations &amp; Finance.</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/2018/2/3/faang-and-the-catchphrase-investing</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-04-10</lastmod>
    <image:image>
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      <image:title>Canny View Articles - FAANG and the catchphrase investing - As published in Hawke's Bay Today. Canny View by Glen Trillo, Authorised Financial Adviser.  </image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/millennials-part-ii</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-04-10</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/1517279850130-8XBCQPLD4IP1T8YU5MJ2/photo-1455734729978-db1ae4f687fc.jpg</image:loc>
      <image:title>Canny View Articles - It's not all smashed avocado for millennials – Part II - as published in Hawke's Bay Today. Canny View by Nick Stewart, Authorised Financial Adviser.</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/2018/1/20/millennials-take-charge-of-your-financial-future-part-i</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-01-30</lastmod>
    <image:image>
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      <image:title>Canny View Articles - Millennials, take charge                                                                           of your financial future – Part I - As published in Hawke's Bay Today. Canny View by Nick Stewart, Authorised Financial Adviser.</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/2018/1/6/reading-the-tea-leaves</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-07-19</lastmod>
    <image:image>
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      <image:title>Canny View Articles - Reading the tea leaves - As published in Hawke's Bay Today. Canny View by Nick Stewart, Authorised Financial adviser.</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/2018/1/13/the-seven-virtues-of-process</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-04-10</lastmod>
    <image:image>
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      <image:title>Canny View Articles - The seven virtues of process - as published in Hawke's Bay Today. Canny Viewby Glen Trillo, Authorised Financial Adviser</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/2017/12/30/tis-season-to-set-yourself-good-financial-goals</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-04-10</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/1517279575293-ZC45ZV8GLJFR1UTS595G/pexels-photo-785171+%281%29.jpeg</image:loc>
      <image:title>Canny View Articles - ‘Tis season to set yourself good financial goals - As published in Hawke's Bay Today.</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/2017/12/23/the-rise-of-robo-advice-in-wealth-management</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-04-10</lastmod>
    <image:image>
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      <image:title>Canny View Articles - The rise of robo-advice in wealth management - As published in Hawke's Bay Today. Canny Viewby Nick Stewart, Authorised Financial Adviser</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/2017/12/19/don-brash-joins-stewart-group-as-advisory-board-member</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-04-10</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/1517279434754-62B0I8H99AR570XI2254/Don+Brash.jpg</image:loc>
      <image:title>Canny View Articles - Don Brash joins Stewart Group as advisory board member - As published in Hawke’s Bay Today.</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/2017/12/16/get-insurance-application-right-or-blow-your-cover</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-04-10</lastmod>
    <image:image>
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      <image:title>Canny View Articles - Get insurance application right or blow your cover - As published in Hawke's Bay Today. Canny View by Trudi Vossen, Authorised Financial Adviser.</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/2017/12/14/advisory-firms-law-changes-look-like-aussie-model</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-04-10</lastmod>
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      <image:title>Canny View Articles - Advisory firms law changes look like Aussie model - As published in Good Returns, by Susan Edmunds featuring Nick Stewart.</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/2017/12/9/seven-ways-to-tighten-your-christmas-spending</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-04-10</lastmod>
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      <image:title>Canny View Articles - Seven ways to tighten your Christmas spending - As published in Hawke's Bay Today.</image:title>
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  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/2017/12/2/bitcoin-bubble-the-new-tulip-mania</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-04-10</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/1517279010590-XC1ZBIKNTU3VL735IO8R/image-asset.png</image:loc>
      <image:title>Canny View Articles - Bitcoin bubble, the new tulip mania Part II - As published in Hawke's Bay Today. Canny View by Nick Stewart, Authorised Financial Adviser.</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/2017/11/25/the-bitcoin-bubble-part-i</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-01-30</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/1517278968014-TO8OQTYCASGNAOIC543M/Facebook+posts+%282%29.png</image:loc>
      <image:title>Canny View Articles - The bitcoin bubble – Part I - As published in Hawke's Bay Today. Canny View by Nick Stewart, Authorised Financial Adviser.</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/2017/11/18/online-security-a-work-in-progress</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-04-10</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/1517278885688-026232XR53KHDKZNTYPY/photo-1504139969750-3244f9258fce.jpg</image:loc>
      <image:title>Canny View Articles - Online security a work in progress - As published in Hawke's Bay Today. Canny View by Nick Stewart, Authorised Financial Adviser.</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/2017/11/11/ponzi-schemes-and-fools-gold</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-04-10</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/1517278800093-37SZ9Y5S54FGX7FPFOO3/shutterstock_157319213.jpg</image:loc>
      <image:title>Canny View Articles - Ponzi schemes and fools' gold - As published in Hawke's Bay Today. Canny View by Nick Stewart, Authorised Financial Adviser.</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/2017/11/4/trust-law-reform-part-iii-implications-for-trustees</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-04-10</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/1517278586738-ILWO7KCOT2SU4QP2PY0X/pexels-photo-90917.jpeg</image:loc>
      <image:title>Canny View Articles - Trust Law reform Part III - Implications for trustees - As published in Hawke's Bay Today. Canny View by Nick Stewart, Authorised Financial Adviser.</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/2017/10/28/trust-law-reform-part-ii-youd-best-be-prepared-if-trusts-bill-becomes-law</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-04-10</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/1517278504938-6SS07CLKH40YSN46C2FP/pexels-photo-90917.jpeg</image:loc>
      <image:title>Canny View Articles - Trust Law Reform Part II- You'd best be prepared if trusts bill becomes law - As published in Hawke's Bay Today. Canny View by Nick Stewart, Authorised Financial Adviser.  </image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/2017/10/22/trust-law-reform-benefits-versus-costs-responsibilities</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-04-10</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/1517278421143-FS0WH8RXNAILVNAL29IA/pexels-photo-90917.jpeg</image:loc>
      <image:title>Canny View Articles - Trust law reform Part I - benefits versus costs, responsibilities - As published in Hawke's Bay Today. Canny View by Nick Stewart, Authorised Financial Adviser.</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/2017/10/14/the-ups-and-downs-of-downsizing</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-04-10</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/1517278301975-D5R84JN2D0Z11HUGPU94/photo-1490197415175-074fd86b1fcc.jpg</image:loc>
      <image:title>Canny View Articles - The ups and downs of downsizing - As published in Hawke's Bay Today. Canny View by Nick Stewart, Authorised Financial Adviser.</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/2017/10/8/when-does-the-underarm-stop-for-kiwis</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-04-10</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/1571086187861-HVG0DGIFW4GJSCZL05PZ/Untitled.jpg</image:loc>
      <image:title>Canny View Articles - When does the underarm stop for Kiwis? - As published in Hawke's Bay</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/2017/10/1/booster-boosts-fund-options-tweaks-settings</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-04-10</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/1517277872194-XG6SLHLC9OV7XT496UGB/pexels-photo-590020.jpeg</image:loc>
      <image:title>Canny View Articles - Booster boosts fund options, tweaks settings - As published in Investment News, featured Nick Stewart, Authorised Financial Adviser.</image:title>
      <image:caption>As published in Investment News, featured Nick Stewart, Authorised Financial Adviser.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/2017/9/24/house-prices-out-of-step</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-04-10</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/1517280442814-J3HL3V0VPOD1R71IN25H/home-1353389_960_720.jpg</image:loc>
      <image:title>Canny View Articles - House prices out of step - As published in Hawke's Bay Today. Canny View by Nick Stewart, Authorised Financial Adviser.  </image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/2017/9/16/like-romans-fall-on-our-sword-and-raise-retirement-age</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-04-10</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/1517280681358-U27RAWU4HQD8T1E8OSXZ/old-people-couple-together-connected.jpg</image:loc>
      <image:title>Canny View Articles - Like Romans, fall on our sword and raise retirement age - As published in Hawke's Bay Today. Canny View by Nick Stewart, Authorised Financial Adviser.  </image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/2013/7/26/leaving-home</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-01-30</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/1517281080512-FHSP4BQ92J9OBC0VTHA6/cube-six-gambling-play-37534.jpeg</image:loc>
      <image:title>Canny View Articles - Leaving Home?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/1511486243055-KBUDO6VUFJHW1Y1LA59R/Country+Weights</image:loc>
      <image:title>Canny View Articles - Leaving Home?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/1511486291644-3W5ZZHQG4HUSCQ1YYK0P/Sector+Weights</image:loc>
      <image:title>Canny View Articles - Leaving Home?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/1511486427910-59CK34BS7JG309PGUD80/The+Consequences+of+a+concentrated+portfolio</image:loc>
      <image:title>Canny View Articles - Leaving Home?</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/2013/7/5/in-long-run-theres-no-such-thing-as-an-einstein-investor</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-01-29</lastmod>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/2013/6/17/get-sorted-kiwisaver-deadline-is-end-of-june</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-04-10</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/1518057736417-SC1A5X4LL7G0PAW6DQ52/14-feb-Kiwisaver-social.jpg</image:loc>
      <image:title>Canny View Articles - Get Sorted: KiwiSaver deadline is end of June - As published in NZ Herald, Hawke's Bay Today.</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/2013/6/14/a-question-of-balance</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-04-10</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/1511484214304-8C8GHCQZO81Q512R6546/Jim+Parkers%27+Balance+graph</image:loc>
      <image:title>Canny View Articles - A Question of Balance</image:title>
      <image:caption>Jim Parkers' Balance graph</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/2013/6/10/focus-on-the-controllables</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-11-24</lastmod>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/2013/6/6/is-your-australian-personal-insurance-paid-out-of-your-super</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-04-10</lastmod>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/2013/5/19/small-and-regular-will-yield-results</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-04-10</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/1511478527151-QC4YZROHSP6WMXY5B23I/Earnings+between+20+K+-+60+K</image:loc>
      <image:title>Canny View Articles - Small and regular will yield results</image:title>
      <image:caption>20 Years and above age with 30 K annual earnings</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/1511478706945-EU19RNRMBV5VXLUR6HPR/60+years+and+above+with+80+K+earnings</image:loc>
      <image:title>Canny View Articles - Small and regular will yield results</image:title>
      <image:caption>60 years and above with 80 K earnings</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/2013/3/19/stewart-group-secures-access-to-us-fund</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-12-04</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/1511477931768-T2ODP9IAGTEBM5TCF27J/Nick+Stewart%2C+Prof+Ken+French+%28Director%2C+Dimensional%29+and+Don+Stewart</image:loc>
      <image:title>Canny View Articles - Stewart Group secures access to US fund</image:title>
      <image:caption>Nick Stewart, Prof Ken French (Director, Dimensional) and Don Stewart</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/category/Retirement+Planning</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/category/Superannuation</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/category/Financial+Media</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/category/CEFEX</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/category/Press+Release</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/category/Mental+Health</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/category/Client+Communications</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/category/History</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/category/Risk+Management</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/category/Dimensional+Fund+Advisors</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/category/Social+Responsibility</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/category/Economy</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/category/Term+deposits</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/category/Inflation</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/category/Investments</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/category/News</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/category/ESG</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/category/Market+Forces</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/category/FMA</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/category/Health+Insurance</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/category/Australian+Superannuation</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/category/Government</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/category/Bonds</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/category/Housing</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/category/Diversification</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/category/Risk+Insurance</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/category/Wealth+Management</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/category/Investors</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/category/Financial+Well-being</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/category/Insurance+advisers</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/category/Financial+Planning</loc>
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    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/category/Taxation</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/category/Trust+Asset+Management</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/category/KiwiSaver</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/category/Interest+rates</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/category/Investment+Adviser</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/tag/Emergency+Fund</loc>
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    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/tag/capital+gains+tax</loc>
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  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/tag/Rebalancing</loc>
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    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/tag/CEFEX</loc>
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    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/tag/gambling</loc>
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    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/tag/Booster+KiwiSaver+Scheme</loc>
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    <priority>0.5</priority>
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  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/tag/FIFA+World+Cup+2018</loc>
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    <priority>0.5</priority>
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  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/tag/IPO</loc>
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    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/tag/Economists</loc>
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    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/tag/home+dream</loc>
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    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/tag/History</loc>
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    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyview/tag/CCCFA</loc>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <image:image>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <loc>https://www.stewartgroup.co.nz/blogs-by-advisers/category/Economy</loc>
    <changefreq>monthly</changefreq>
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    <loc>https://www.stewartgroup.co.nz/blogs-by-advisers/category/Investors</loc>
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    <loc>https://www.stewartgroup.co.nz/blogs-by-advisers/category/Investments</loc>
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    <loc>https://www.stewartgroup.co.nz/blogs-by-advisers/category/Budget</loc>
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    <loc>https://www.stewartgroup.co.nz/blogs-by-advisers/category/KiwiSaver</loc>
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  </url>
  <url>
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    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-11-19</lastmod>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/stewartgroupevents/clientchristmas</loc>
    <changefreq>monthly</changefreq>
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    <lastmod>2025-11-19</lastmod>
    <image:image>
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      <image:title>Stewart Group Events - Client Christmas Celebration - 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.stewartgroup.co.nz/stewartgroupevents/montecristo</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-11-11</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/638a4ce0-3213-470b-a400-6ad6c39a3c77/Count+of+Monte+Cristo+%282%29.png</image:loc>
      <image:title>Stewart Group Events - Movie Night: The Count of Monte Cristo - 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>
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  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/who-we-are</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2024-07-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/6746744b-0956-4611-a32c-ab45486c91a3/DL-Stewart-Associates.jpg</image:loc>
      <image:title>Who we are - Make it stand out</image:title>
      <image:caption>DL Stewart &amp; Associates, 1987</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/our-associations</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-08-06</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/1534476555266-WP6RKINY3HDSAHASUDA8/CEFEX-Mark.png</image:loc>
      <image:title>Associations</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/1534476982455-4NF8T9LTBHE3YQ7T5MH9/Logo_GLOBAL_ASSOCIATION_OF_ADVISORS_Sin_Fondo.png</image:loc>
      <image:title>Associations</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/1534477149721-U2G9W1WCVJZY69CCKQCD/dfalogo.png</image:loc>
      <image:title>Associations</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/1570417225556-SAKTCG5034T31DTJ3C0H/Black+letters%2C+green+icon%2C+with+tagline.png</image:loc>
      <image:title>Associations</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/1664307420198-SYGD1W5G2GF9ZVIPR71R/Bigger-TRG-L-BKG.png</image:loc>
      <image:title>Associations</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/investment-committee</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-12-08</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/0864d016-b3c7-481a-a521-f6aae0bf58e9/DSCF5986.jpg</image:loc>
      <image:title>Investment Committee</image:title>
      <image:caption>Nick Stewart Nick began his career in financial services in 1999. He is a financial adviser (FSP21383) and accredited investment fiduciary (AIF®). As Executive Director and CEO of Stewart Group for over 25 years, he also holds multiple directorships and trusteeships. A proud Ngāi Tahu (Ngāti Huirapa, Ngāti Māmoe, Ngāti Waitaha), Nick descends from Te Rehe—a South Island rangatira and missionary guide—whose legacy inspires the Stewart Group’s Simply Sustainable™ solar initiative. Since 2016, Nick has authored over 400 financial columns for Hawke’s Bay Today and co-hosts The Adviser Talk podcast. Outside work, he enjoys wine, beekeeping, duck hunting, conservation, skiing and restoring his Series 1 Land Rover. A history enthusiast, he’s especially interested in the Scots, the Crusades, and his childhood hero, the Red Baron.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/087dd42f-32ef-4976-8f1d-fb3c248b0bd1/IMG_2585.jpg</image:loc>
      <image:title>Investment Committee - Make it stand out</image:title>
      <image:caption>Dr Alistair Marsden Alastair joined Stewart Group’s Investment Committee in 2016 as an independent investment committee member. Alastair was formerly an Associate Professor in Finance at University of Auckland Business School and ensures an independent perspective to the investment committee.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/cbcbc9e2-90bf-41fb-a6fd-4009cc933c57/Untitled+design+%285%29.jpg</image:loc>
      <image:title>Investment Committee - Make it stand out</image:title>
      <image:caption>RORY O’NEILL Rory joined Stewart Group in 2015 as a Financial Controller and quickly advanced to Head of Operations &amp; Finance. Currently, he serves as General Manager and Financial Adviser (FSP1006697), where he adeptly manages Stewart Group’s operations while also focusing on the investment side of the business. In 2022, Rory expanded his leadership role by joining the Board of Directors of Te Rehe Group, our holding company. With a deep passion for finance and economic trends, he finds immense satisfaction in helping clients navigate complex financial subjects and making a meaningful impact on their lives. Outside of work, he is an avid rugby enthusiast.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/advisory-board</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-08-25</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/1543455603801-PU77H84HMRHTJQAIKUMP/Peter+Mancell.jpg</image:loc>
      <image:title>Advisory Board</image:title>
      <image:caption>Peter Mancell Peter joined Stewart Group’s Advisory Board in September 2015. Peter is the Managing Director of Mancell Financial Group based in Burnie, Tasmania. He provides strategic planning advice to FYG Planners for Independent, fee only advisers. Peter is also the former Chair of the Global Association of Independent Advisers.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/1543455634361-9MLXM71WN3KSC83ROWLM/Milton+Jennings.jpg</image:loc>
      <image:title>Advisory Board</image:title>
      <image:caption>Milton Jennings Milton joined Stewart Group’s Advisory Board in November 2016. Milton brings a breadth of financial and industry knowledge having spent 29 years with Fidelity Life, NZ's largest locally owned insurer for the last 14 years and currently serving as the CEO of the company.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/wealth-management</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2026-03-11</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/1626995430494-GUKEHTN4YJLTH309UHZ2/Investment+Committee+%7C+Stewart+Group</image:loc>
      <image:title>Wealth Management</image:title>
      <image:caption>INVESTMENT COMMITTEE</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/1626986187412-PCADK6G69IXF8L86V1R3/Our+process.png</image:loc>
      <image:title>Wealth Management</image:title>
      <image:caption>OUR PROCESS</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/1615498171142-D728VJKO40BEVA01RLR9/Wealth+Management+FAQs+%7C+Stewart+Group</image:loc>
      <image:title>Wealth Management</image:title>
      <image:caption>WEALTH MANAGEMENT FAQs</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/retirement-planning</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2024-07-17</lastmod>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/our-advisers</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2026-03-19</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/0864d016-b3c7-481a-a521-f6aae0bf58e9/DSCF5986.jpg</image:loc>
      <image:title>Financial Advisers</image:title>
      <image:caption>NICK STEWART</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/03867c19-8533-4812-b699-15bae53f1cf3/19.jpg</image:loc>
      <image:title>Financial Advisers - Make it stand out</image:title>
      <image:caption>RORY O’NEILL</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/254a4bfa-5f54-4f72-ad0c-f64e5087e781/Bruce+Jenks_Profile.png</image:loc>
      <image:title>Financial Advisers</image:title>
      <image:caption>BRUCE JENKS</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/3baf5a87-50ff-495e-9e63-a1fe330bd497/Staff-web-pics-Brent-Allcock.png</image:loc>
      <image:title>Financial Advisers</image:title>
      <image:caption>BRENT ALLCOCK</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/3e694c77-dd8f-44cc-b40d-28a52ae71be4/2207-Paula-Enticott.jpg</image:loc>
      <image:title>Financial Advisers - Make it stand out</image:title>
      <image:caption>PAULA ENTICOTT</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/b5d3f0db-2472-4eda-8e58-ee31a0231471/2207-Taraia-Robin.jpg</image:loc>
      <image:title>Financial Advisers - Make it stand out</image:title>
      <image:caption>TARAIA ROBIN</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/efe679a0-f7da-4457-9586-bbab8ea714ad/2301-Tim-Ewen.jpg</image:loc>
      <image:title>Financial Advisers - Make it stand out</image:title>
      <image:caption>TIM EWEN</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/business-operations-team</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2026-03-29</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/b44b4459-be98-4191-8b18-e4e2a62d5772/19.jpg</image:loc>
      <image:title>Business Operations Team</image:title>
      <image:caption>RORY O’NEILL Rory joined Stewart Group in 2015 as a Financial Controller and quickly advanced to Head of Operations &amp; Finance. Currently, he serves as General Manager and Financial Adviser (FSP1006697), where he adeptly manages Stewart Group’s operations while also focusing on the investment side of the business. In 2022, Rory expanded his leadership role by joining the Board of Directors of Te Rehe Group, our holding company. With a deep passion for finance and economic trends, he finds immense satisfaction in helping clients navigate complex financial subjects and making a meaningful impact on their lives. Outside of work, he is an avid rugby enthusiast.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/780c9dc5-6f91-4c81-bb2a-2f16496ddebe/Emma_Grey+Background-2.jpg</image:loc>
      <image:title>Business Operations Team - Make it stand out</image:title>
      <image:caption>EMMA GIBSON Emma is the Compliance &amp; Business Improvement Manager at Stewart Group, supporting strong governance, regulatory compliance, and continuous improvement across the business. Born in Northern Ireland and raised in the Isle of Man, Emma brings an international perspective shaped by living and working across multiple jurisdictions. She married a New Zealander, and together their family has lived and raised children in the Isle of Man, Ireland, and England before settling in New Zealand. This global experience underpins her practical understanding of complex regulatory environments and diverse client needs. Emma’s professional qualifications include Trust and Estate Planning, compliance, and completion of the Institute of Directors programme. She is known for translating complex regulatory requirements into clear, workable processes that support advisers, clients, and long‑term organisational integrity.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/6c743144-ebbf-44ed-9daf-6359f7dfbc8a/Edited.jpg</image:loc>
      <image:title>Business Operations Team - Make it stand out</image:title>
      <image:caption>REBEKAH TRAFFORD Rebekah joined our team in June 2024 as a Client Services Officer. She supports our wealth advisers and clients, utilising her many years of experience providing administration support across various industries including real estate and finance.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/daac57e6-82a3-42d1-b827-e14546110faa/Prathme+Web+2.jpg</image:loc>
      <image:title>Business Operations Team - Make it stand out</image:title>
      <image:caption>PRATHME RABESHEN With over a decade of experience in marketing, Prathme brings both strategic insight and creative passion to her role at Stewart Group. After relocating from Sri Lanka to New Zealand in 2023, she joined the team to lead all marketing initiatives, blending creative thinking with hands-on expertise. Driven by an unwavering enthusiasm for creativity, Prathme views marketing not just as a profession but as her true passion. Outside the office, Prathme’s love for creativity continues. She finds joy in dancing, painting and cooking. Anything that sparks her imagination and allows her to express herself! .</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/93b82b35-e5b7-4b03-8c26-2b00878ab923/1.jpg</image:loc>
      <image:title>Business Operations Team - Make it stand out</image:title>
      <image:caption>SUSAN JOHANSON Susan joined the Stewart Group in May 2024 as the Group Finance and Operations Manager. She is a Chartered Accountant with CAANZ and has extensive experience in the financial services sector in New Zealand and internationally. Her expertise encompasses commercial, financial, and compliance aspects, and she is dedicated to creating value by interpreting and utilising financial data.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/1d64df2a-6790-4dd5-95ce-4b4ec1a1dc87/Profile+photos+-+SFG+%26+Finzo+%2824%29.jpg</image:loc>
      <image:title>Business Operations Team - Make it stand out</image:title>
      <image:caption>STEPHANIE HOWE Stephanie joined Stewart Group in 2021 as a Client Service Officer and later advanced to the role of Paraplanner. She has a strong background in banking, with valuable experience in business and rural lending, project management, and product development. Based in our Wellington office, Stephanie provides exceptional support to both our advisers and clients.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/375ad8e6-59a9-41e8-9976-dd10ebee5cf9/Venita_Grey+Background-2.jpg</image:loc>
      <image:title>Business Operations Team - Make it stand out</image:title>
      <image:caption>VENITA SIMCOX Venita is a brand and digital marketing specialist with over a decade of experience across marketing strategy, communications and graphic design. Before joining Stewart Group, she spent more than 12 years in senior marketing roles within the New Zealand wine industry, including as Marketing Manager for Craggy Range. Her background includes leading global brand campaigns, working closely with executive teams, and contributing to industry bodies through executive committee roles. Earlier in her career, Venita travelled extensively while working onboard a superyacht, an experience that shaped her adaptability and attention to detail. Outside of work, she keeps busy with her two school-aged children, an ever-expanding menagerie of small animals, and a growing love of cultivating dahlias.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/d918d20c-6eed-4a54-a00f-63aab021168b/a23bbfe7-2443-48a1-9e79-3d8f5811e892.jpg</image:loc>
      <image:title>Business Operations Team - Make it stand out</image:title>
      <image:caption>GERMAINE MEEUWS Germaine was a cherished member of the Stewart Group family. We were deeply saddened by her passing in January 2025. She was a true go-getter, a master of her tasks, and impeccable in everything she did. Her wit, kindness, and unwavering dedication made her the go-to person for anything and everything.  Germaine will always be fondly remembered at Stewart Group.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/2a8527f8-f4c7-476d-9e76-75930ededa62/2207-Taraia-Robin.jpg</image:loc>
      <image:title>Business Operations Team - Make it stand out</image:title>
      <image:caption>TARAIA ROBIN Ngāti Kahungunu, Ngāti Porou Taraia joined Stewart Group in 2021 after 15 years in the UK and Australia, bringing extensive banking experience. Now a qualified Financial Adviser and a Relationship manager at Stewart Group. Taraia has a rich Māori heritage. His iwi are Ngāti Kahungunu (father) with Kohupatiki Marae, and Ngāti Porou (mother) with Omahu Marae in Fernhill and connections in Waipiro Bay near Gisborne. A former NZ U-19 Cricket World Cup representative, Taraia brings the same dedication from his sporting days to his professional life.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/0b292262-9dbb-43cd-ac21-afec415b0293/Annette+MacLeod+%7C+Stewart+Group</image:loc>
      <image:title>Business Operations Team</image:title>
      <image:caption>ANNETTE MACLEOD Annette joined Stewart Group in 2018. She has over 20 years’ experience in investment and wealth management. As our Paraplanner, she works alongside our advisers, providing a wide range of support across financial planning and investment services, assisting with technical documentation, ensuring compliance with regulatory standards and internal processes.  Known for her meticulous attention to detail and approachable nature, Annette delivers friendly, personalised service that makes clients feel supported and confident in their financial journey. Outside of work, Annette enjoys spending time with her family on their farm and exploring the scenic limestone tracks of Hawke’s Bay.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/a08fe3ee-5cf7-47e2-9947-69b62dcef50f/Profile+photos+-+SFG+%26+Finzo+%2823%29.jpg</image:loc>
      <image:title>Business Operations Team - Make it stand out</image:title>
      <image:caption>CHRIS NORRIE Chris joined Stewart Group as a temporary team member, and it didn’t take long for her talent and warmth to shine through. After just four months, we were delighted to welcome her into a permanent role as our accountant.  With over 30 years of experience across various financial areas of business, Chris brings deep expertise and a steady hand to our operations. Her attention to detail and collaborative spirit make her an essential part of the team. Beyond her professional skills, Chris is also the heart of our morning routine. Her coffee brews are a daily highlight, and the team always appreciates the sweet treats she shares to keep spirits high. Outside the office, Chris enjoys reading, cooking and spending quality time with her children, grandchildren and her beloved dog, Ollie.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/nick-stewart</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-06-26</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/0864d016-b3c7-481a-a521-f6aae0bf58e9/DSCF5986.jpg</image:loc>
      <image:title>Nick Stewart - 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.stewartgroup.co.nz/don-stewart</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-05-21</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/1532320248386-O90LYG750L7X5HA6TJ4F/Untitled+design+%286%29.png</image:loc>
      <image:title>Our Founder - 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.stewartgroup.co.nz/our-process</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2021-03-11</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/1626994777299-ANXQE6RICA3M3LGFS90H/Our+process.png</image:loc>
      <image:title>Our Process</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/risk-profile</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2026-03-09</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/1626995572503-0HNK7ODB0PRQOD5CRS9F/Risk+Profile.png</image:loc>
      <image:title>Risk Profile</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/peter-mancell</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2018-02-19</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/1516567406338-394ZGLEHCWVAYB708IYJ/Peter+Mancell.jpg</image:loc>
      <image:title>Peter Mancell</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/milton-jennings</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2018-05-02</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/1516567364669-91ZUS9ZC5Z51QAPDUMAH/Milton+Jennings</image:loc>
      <image:title>Milton Jennings</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/insurance-advice</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-08-25</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/1615502973720-0JM2UK47OROTQ038P4M0/xavier-mouton-photographie-ry_sD0P1ZL0-unsplash.jpg</image:loc>
      <image:title>Insurance Advice - PERSONAL INSURANCE</image:title>
      <image:caption>PERSONAL INSURANCE</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/1615511423827-3KJMMQ7IIGS49E9D4QFS/photo-1600880292203-757bb62b4baf.jfif</image:loc>
      <image:title>Insurance Advice - BUSINESS INSURANCE</image:title>
      <image:caption>BUSINESS INSURANCE</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/personal-insurance</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2022-09-04</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/1615514334063-IK0D9YSISD02GBXHO9JV/xavier-mouton-photographie-ry_sD0P1ZL0-unsplash.jpg</image:loc>
      <image:title>Personal Insurance</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/business-insurance</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2022-09-04</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/1615512274801-CY8W99EM4A9FHR7ZZ10F/photo-1600880292203-757bb62b4baf.jfif</image:loc>
      <image:title>Business insurance</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/australian-super-transfer</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2023-05-17</lastmod>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/employer-chosen-scheme</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2018-05-09</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/1517177684074-CBVPX7Y27N3K76FGKCNY/photo-1480480841387-c9b88fac077a.jpg</image:loc>
      <image:title>Employer Chosen Scheme</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/cannyviewarticles</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2026-03-11</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/1bb37fc7-2246-4a7c-9aa9-55da259937eb/Hooker+Valley+Track_Web+HEader.png</image:loc>
      <image:title>Canny View</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/contact-us</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2026-02-24</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/1636513756285-BDTBYONTK1DJ9AIXBQV1/Contact-Us-2021-no-text.png</image:loc>
      <image:title>Contact Us</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/careers</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2026-03-26</lastmod>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/alastair-marsden</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-07-31</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/1590613038210-0DUTDZIEG63F6APXMEX6/IMG_2585.jpg</image:loc>
      <image:title>Alastair Marsden</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/second-opinion</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2026-02-10</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/1615515291035-2TNI0KMOA2R5SV6O8RXT/jakub-dziubak-XtUd5SiX464-unsplash.jpg</image:loc>
      <image:title>Second opinion service</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/pop-up-form</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2021-01-12</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/1610482607426-8JX28HWH3MNTU7F469BK/Free+consultation+-+Stewart+Group</image:loc>
      <image:title>Pop-up Form</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/faqs</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2024-01-09</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/1615502191528-LHVAECP6DUUDDU4JH7XC/Website+banners+%2810%29.png</image:loc>
      <image:title>FAQs</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/from-the-ceo</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-06-26</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/a7825e93-9e3f-4b4c-9172-bb82dae78dd9/DSCF4798-Edit.jpg</image:loc>
      <image:title>From the CEO</image:title>
      <image:caption>Nick Stewart with the late Don Stewart at 204 Karamu Road.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/662a180b-2eb7-4e41-8027-3c481d4df3f1/Nick-Don-Moving-Premises-img.png</image:loc>
      <image:title>From the CEO - Make it stand out</image:title>
      <image:caption>Nick joined the team in 2000 as the premises were being expanded.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/bb9d1b8f-3ef5-4b20-8bc4-f736928dd30e/DSCF4880.jpg</image:loc>
      <image:title>From the CEO - Make it stand out</image:title>
      <image:caption>Nick beside one of our EV fleet</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/client-portal</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2024-07-16</lastmod>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/dimensional-fund-advisors</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2024-05-03</lastmod>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/volatility-101</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2018-08-20</lastmod>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/blockchain-powering-the-future</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2018-09-06</lastmod>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/types-of-trading-styles</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2018-09-06</lastmod>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/what-is-stock-fraud</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2018-09-06</lastmod>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/warren-buffett-biggest-wins-fails</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2018-09-06</lastmod>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/how-the-50-largest-us-companies-are-connected</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2018-09-06</lastmod>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/how-elite-growth-investors-pick-stocks</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2018-09-06</lastmod>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/what-is-a-mutual-fund</loc>
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    <priority>0.75</priority>
    <lastmod>2018-09-07</lastmod>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/the-worlds-100-most-valuable-brands-in-2018</loc>
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    <priority>0.75</priority>
    <lastmod>2018-09-07</lastmod>
  </url>
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    <loc>https://www.stewartgroup.co.nz/the-6-factors-that-influence-exchange-rates</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2018-09-07</lastmod>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/rise-of-tesla-the-history-part-1</loc>
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    <priority>0.75</priority>
    <lastmod>2018-09-07</lastmod>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/rise-of-tesla-the-company-part-2</loc>
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    <priority>0.75</priority>
    <lastmod>2018-09-07</lastmod>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/visualising-elon-musks-vision-for-the-future-of-tesla</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2018-09-07</lastmod>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/infrastructure-boom-5-ways-investors-can-play-it</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2018-09-07</lastmod>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/the-power-of-dividend-investing</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2018-09-07</lastmod>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/7-facts-that-will-free-you-from-the-fear-of-stock-market-crashes</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2018-09-18</lastmod>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/where-investors-put-their-money-in-2018</loc>
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    <priority>0.75</priority>
    <lastmod>2019-02-20</lastmod>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/booster-how-to-top-up</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2021-06-24</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/1559704110399-6GBY1PY4QVX987MGRDH5/Clock+is+Ticking.jpg</image:loc>
      <image:title>Booster - How to top up</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/booster-set-up-a-direct-debit</loc>
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    <priority>0.75</priority>
    <lastmod>2020-05-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/1559704312379-XLBLSZ7KJU7HWD0VWEAL/Clock+is+Ticking.jpg</image:loc>
      <image:title>Booster - Set up a direct debit</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/housing-bubble-risks</loc>
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    <priority>0.75</priority>
    <lastmod>2019-07-21</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/1563742643887-6J7SNZ1FRGEO8UTQOCUK/COTW-Housing_Bubble_by_Countries_V5.jpg</image:loc>
      <image:title>Housing Bubble Risks</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/are-you-on-track-to-get-521-from-the-government</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2021-06-17</lastmod>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/bruce-jenks</loc>
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    <priority>0.75</priority>
    <lastmod>2026-03-19</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/9c7ecbb9-61f5-48e1-90ae-e90599bcce9f/Bruce+Jenks_Profile.png</image:loc>
      <image:title>Bruce Jenks</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/brent-allcock</loc>
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    <priority>0.75</priority>
    <lastmod>2021-11-15</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/a4d94fbd-476c-487a-a746-d3aac65e9bc7/Staff-web-pics-Brent-Allcock.png</image:loc>
      <image:title>Brent Allcock</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/thank-you</loc>
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    <priority>0.75</priority>
    <lastmod>2026-02-09</lastmod>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/newsletter-thank-you</loc>
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    <priority>0.75</priority>
    <lastmod>2022-05-26</lastmod>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/stewart-financial-group</loc>
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    <priority>0.75</priority>
    <lastmod>2024-10-09</lastmod>
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      <image:title>Stewart Financial Group</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/ce59232a-2bab-4555-86b4-0c6eac93346e/Important+Information.jpg</image:loc>
      <image:title>Stewart Financial Group</image:title>
      <image:caption>Click to view</image:caption>
    </image:image>
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  <url>
    <loc>https://www.stewartgroup.co.nz/stewart-group-wellington</loc>
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    <priority>0.75</priority>
    <lastmod>2024-10-09</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/1616099240639-P70F7EB21QZ7MTYI25CE/office-worker-taking-a-folder-in-the-archive-PCT8SG6.jpg</image:loc>
      <image:title>Stewart Group Wellington</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/ce59232a-2bab-4555-86b4-0c6eac93346e/Important+Information.jpg</image:loc>
      <image:title>Stewart Group Wellington</image:title>
      <image:caption>Click to view</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/privacy-statement</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2021-03-18</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/1616099389868-L2VK77IMQB7YYYIL36KI/office-worker-taking-a-folder-in-the-archive-PCT8SG6.jpg</image:loc>
      <image:title>Privacy Statement</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/1616102395774-PF9L1WYGCTG94STSM10P/Privacy+Statement.png</image:loc>
      <image:title>Privacy Statement</image:title>
      <image:caption>Click to view</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/digital-downloads</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-09-29</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/bb7a03f9-4984-47a3-a15a-61be98f5d6da/Screenshot+2025-09-29+161412.png</image:loc>
      <image:title>Digital Downloads - Make it stand out</image:title>
      <image:caption>Click to Download our Financial Planning Booklet.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/e3ae22e5-352d-42bf-8549-c227fb38c7eb/Website+Downloads+Tile.jpg</image:loc>
      <image:title>Digital Downloads - Make it stand out</image:title>
      <image:caption>Living Hawke’s Bay 2025 Autumn Edition. Click to Download Article.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/36ea3458-cd12-42be-985e-ce6613892484/Walking+on+sunshine.jpg</image:loc>
      <image:title>Digital Downloads - Make it stand out</image:title>
      <image:caption>Click to Download Article</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/38738845-405f-4b21-9ec8-77264b4b0012/Untitled+design+%281%29.jpg</image:loc>
      <image:title>Digital Downloads - Make it stand out</image:title>
      <image:caption>Click to Download Article</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/1633575789408-TMEHY8WCPHMDY7WVRCV6/SFG+Facebook+Post+-+Draft+%289%29.png</image:loc>
      <image:title>Digital Downloads - Make it stand out</image:title>
      <image:caption>Click to Download our Sustainability Booklet.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/2c105834-0628-4594-b567-8330a4cda526/Website+Download.jpg</image:loc>
      <image:title>Digital Downloads - Make it stand out</image:title>
      <image:caption>Click to Download Article</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/281e167d-b911-4cf5-9aa1-33e6215e4d92/BayBuzz+Article</image:loc>
      <image:title>Digital Downloads - Make it stand out</image:title>
      <image:caption>Click to Download Article</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/27813369-0c14-44d6-9c19-28a8d7d55e0b/LHB+-+Winter</image:loc>
      <image:title>Digital Downloads - Make it stand out</image:title>
      <image:caption>Click to Download Article</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/simply-sustainable-tm</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-08-25</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/1633057907774-CM6PSWDHUWB3VNFF8BQS/Simply+Sustainable+Header+-+Narrow+%282%29.png</image:loc>
      <image:title>Simply Sustainable™ - 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/v1/59f10713edaed8d2d2501c0c/935040d8-9086-4b81-ab2c-b394fb16e512/TRSN+V.jpg</image:loc>
      <image:title>Simply Sustainable™ - 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/v1/59f10713edaed8d2d2501c0c/c43f0d08-2f88-4b02-9a53-f1b1e32f1cd4/02.jpg</image:loc>
      <image:title>Simply Sustainable™ - Make it stand out</image:title>
      <image:caption>View of roof panels and the electric vehicle charging stations at 204 Karamu Road North, Hastings (Stewart Group Hastings)</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/1633290725943-3RJ3PUSGE0U5N39XT6HN/SFG+Facebook+Post+-+Draft+%283%29.png</image:loc>
      <image:title>Simply Sustainable™</image:title>
      <image:caption>A report by international independent sustainability consultants Thinkstep shows that buildings could amount to 20 per cent of New Zealand’s carbon footprint when considering their lifetime ‘embodied’ emissions. Our office now runs on solar power. We aim to self-generate our own clean energy, reduce energy costs in the long term and enhance sustainability across our entire company. We monitor the results with the help of a site energy management dashboard by Power Tech.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/1633290809053-EUFXUJK8R9OA86RDS6RN/SFG+Facebook+Post+-+Draft+%286%29.png</image:loc>
      <image:title>Simply Sustainable™</image:title>
      <image:caption>We have strengthened our sustainable energy infrastructure by adding EV charging stations. Our fleet is now electric and will be run 100% on solar power. By integrating our EV fleet with renewable on-site EVNEX charging stations we have simplified the transition to EVs and achieve an integrated system.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/1633291053297-YE1JT8N7CB999655CY0W/SFG+Facebook+Post+-+Draft+%287%29.png</image:loc>
      <image:title>Simply Sustainable™</image:title>
      <image:caption>Park sharing platform Parkable enables us to have complete control over our EV charging stations and provides the technical infrastructure and support we need to make sustainable transport a reality for Stewart Group. The app provides flexibility and a seamless experience for staff, clients &amp; the public to book parking spots with chargers supplying 100% clean energy for their EVs.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/21ef12dd-f6b2-45d5-81f0-9e19eb9b05c6/1111-HandDryers-biggertext.png</image:loc>
      <image:title>Simply Sustainable™</image:title>
      <image:caption>Next time you visit our Hastings office you may notice these flash new hand dryers in the bathrooms. These bad boys are energy efficient and part of our wider efforts to reduce waste, this time by eliminating the need for paper towels after hand washing. The best part? While our solar panels are converting beautiful Bay sunshine into power, these will be free to run. Less waste AND less cost. What a win!</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/kiwisaver-sustainability-update</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2022-03-09</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/9f4f1de7-30ab-4675-82e6-6444ccd260ff/20220308-ACKS-Header.png</image:loc>
      <image:title>ACKS Sustainability Update 2022 - 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/v1/59f10713edaed8d2d2501c0c/a29c94f4-c6d7-41a7-9368-a97f800738b6/ACKS+old-new.png</image:loc>
      <image:title>ACKS Sustainability Update 2022 - 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.stewartgroup.co.nz/kiwisaver</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-08-25</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/c159c500-1eec-4739-9533-379c933fb138/Untitled+design+%281%29.jpg</image:loc>
      <image:title>KiwiSaver Scheme - 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/v1/59f10713edaed8d2d2501c0c/1743630878181-G56PYUPH2LIBIA8I87TG/unsplash-image-jpqyfK7GB4w.jpg</image:loc>
      <image:title>KiwiSaver Scheme - 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.stewartgroup.co.nz/wellington</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-04-14</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/719333ae-b2e8-4107-b882-52edcc854541/Website+Homepage+Tiles.jpg</image:loc>
      <image:title>Stewart Group Wellington - 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/v1/59f10713edaed8d2d2501c0c/0b6fdada-a117-4cbb-ba0b-d1170d59a841/Website+Tiles+%281%29.jpg</image:loc>
      <image:title>Stewart Group Wellington - 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/v1/59f10713edaed8d2d2501c0c/473e2aa2-4485-4895-b7f1-49c9ae52a5a3/Website+Homepage+Tiles+%282%29.jpg</image:loc>
      <image:title>Stewart Group Wellington - 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/v1/59f10713edaed8d2d2501c0c/1648680862634-9LC0U2KKLEP7KXF41Z49/Staff-web-pics-Brent-Allcock.png</image:loc>
      <image:title>Stewart Group Wellington - 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/v1/59f10713edaed8d2d2501c0c/1634680598867-U1KSS8IHCQH3PMJV18S7/Stephanie+%281%29.jpg</image:loc>
      <image:title>Stewart Group Wellington - 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.stewartgroup.co.nz/home</loc>
    <changefreq>daily</changefreq>
    <priority>1.0</priority>
    <lastmod>2025-08-20</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/719333ae-b2e8-4107-b882-52edcc854541/Website+Homepage+Tiles.jpg</image:loc>
      <image:title>Welcome | Stewart Financial Group - 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/v1/59f10713edaed8d2d2501c0c/bd5d2c0e-d19b-4faf-8835-e9322738c5ee/Website+Homepage+Tiles+%281%29.jpg</image:loc>
      <image:title>Welcome | Stewart Financial Group - 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/v1/59f10713edaed8d2d2501c0c/473e2aa2-4485-4895-b7f1-49c9ae52a5a3/Website+Homepage+Tiles+%282%29.jpg</image:loc>
      <image:title>Welcome | Stewart Financial Group - 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/v1/59f10713edaed8d2d2501c0c/d9f854bb-2309-460b-a9ec-852aaf68b5bc/DLS-Associates-Street-View-2.png</image:loc>
      <image:title>Welcome | Stewart Financial Group - 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/v1/59f10713edaed8d2d2501c0c/2024b125-0540-4d0e-991c-6d75beb649ef/1.jpg</image:loc>
      <image:title>Welcome | Stewart Financial Group - Make it stand out</image:title>
      <image:caption>Rory O’Neill (Director,General Manager) &amp; Nick Stewart (CEO) at 204 Karamu Road North</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/935040d8-9086-4b81-ab2c-b394fb16e512/TRSN+V.jpg</image:loc>
      <image:title>Welcome | Stewart Financial Group - 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/v1/59f10713edaed8d2d2501c0c/dfcd73e0-e907-41a5-bdf1-d2fa270470af/DSCF3719.jpg</image:loc>
      <image:title>Welcome | Stewart Financial Group - Make it stand out</image:title>
      <image:caption>Māori dolls and ancient Stewart Clan tartan, side by side in our Bruce Meeting room in Hastings.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/uk-pension</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2023-05-17</lastmod>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/tim-ewen</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-06-26</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/1b282b2a-5f8f-442d-9161-ec614f6cddca/2301-Tim-Ewen-Page.jpg</image:loc>
      <image:title>Tim Ewen</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/don-stewart-vision</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2026-03-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/09047318-1694-4cb3-abd4-468644ef1981/IMG_2809.JPG</image:loc>
      <image:title>Don Stewart - Make it stand out</image:title>
      <image:caption>Don Stewart along with his wife Mary Stewart</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/1773624047424-OFZ2FL16RW28UIQPDIO3/Don+and+Mary.jpg</image:loc>
      <image:title>Don Stewart - Don and Mary.jpg</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/1773624148106-8VZA8DHBV5G7RRC05VCC/stewart+scans-0048.jpg</image:loc>
      <image:title>Don Stewart - stewart scans-0048.jpg</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/1773624040020-3GJJJJMARXNKSSPP9F63/Don+Stewart-Edit.jpg</image:loc>
      <image:title>Don Stewart - Don Stewart-Edit.jpg</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/1773624272711-5GHKGYK3EEMSGMZ4DG7V/stewart+scans-0032.jpg</image:loc>
      <image:title>Don Stewart - stewart scans-0032.jpg</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/1773624072051-RC521ZM66VKG84MQV9VQ/Nick+and+Don.jpg</image:loc>
      <image:title>Don Stewart - Nick and Don.jpg</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/1773624332451-XNAPNVHLJV2QS8WS7MQ0/DL-NI-1.png</image:loc>
      <image:title>Don Stewart - DL-NI-1.png</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/1773624962175-5IR5YAOQN9REF4PVB9XL/DSCF5936.jpg</image:loc>
      <image:title>Don Stewart - DSCF5936.jpg</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/1773624294610-V00J6K9UTEFR0O69AMVP/stewart+scans-0017.jpg</image:loc>
      <image:title>Don Stewart - stewart scans-0017.jpg</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/taraia-robin</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-06-26</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/b5d3f0db-2472-4eda-8e58-ee31a0231471/2207-Taraia-Robin.jpg</image:loc>
      <image:title>Taraia Robin</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/rory-oneill</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-06-26</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/cbcbc9e2-90bf-41fb-a6fd-4009cc933c57/Untitled+design+%285%29.jpg</image:loc>
      <image:title>Rory O'Neill - 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.stewartgroup.co.nz/dfa-fee-reduction</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2024-11-13</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/bffc1485-6eff-4292-a1f6-2dc7d5f0173c/2407+-+DIGI+-+FINAL+-+A5+-FINZO+Conference+2024+%28Presentation%29.jpg</image:loc>
      <image:title>Dimensional Fund Advisor (DFA) Fee Reduction Announcement</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/1350ae0a-a6c0-4523-8c24-f99535f993bb/table.PNG</image:loc>
      <image:title>Dimensional Fund Advisor (DFA) Fee Reduction Announcement - 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/v1/59f10713edaed8d2d2501c0c/b1b4e94e-549b-48ba-beba-0fc1568ca51f/Capture.PNG</image:loc>
      <image:title>Dimensional Fund Advisor (DFA) Fee Reduction Announcement - 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.stewartgroup.co.nz/paula-enticott</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-06-27</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/3e694c77-dd8f-44cc-b40d-28a52ae71be4/2207-Paula-Enticott.jpg</image:loc>
      <image:title>Paula Enticott</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/adviserarticles</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2026-03-11</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/1739911282538-5A185VLXTJ9NWZ6PRKLX/andrew-neel-cckf4TsHAuw-unsplash.jpg</image:loc>
      <image:title>Adviser Articles - Welcome to our dedicated page for thought pieces authored by our advisers.</image:title>
      <image:caption>In this page, our experts will write pressing financial topics, providing insights designed to enhance your understanding of money-related matters. From investment strategies to wealth management, we aim to equip you with the knowledge to make informed financial decisions. Stay tuned for regular updates and thoughtful discussions that can help you navigate your financial journey more effectively.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/podcast</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2026-03-12</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/77aa0771-af7c-4f4c-ae05-de25f2be8867/THE+ADVISER+TALK_Website+Tile.png</image:loc>
      <image:title>The Adviser Talk Podcast - Our shows look into recent events and financial news through the lens of Stewart Group’s expert Financial Advisers</image:title>
      <image:caption>Our chats cover everything from crypto-cracking hamsters to saving for retirement (and plenty of subjects in between).</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/1593139402666-Q80MGETC9PBBZ6E2XCWM/spotify.png</image:loc>
      <image:title>The Adviser Talk Podcast - Make it stand out</image:title>
      <image:caption>SPOTIFY</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/39f8748b-3588-4252-9560-2173cc26ac5b/iHR_primary_Color.jpg</image:loc>
      <image:title>The Adviser Talk Podcast - Make it stand out</image:title>
      <image:caption>IHEART RADIO</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/1571096755445-Y9GE8RF2FWZJND5S5NWX/Podcasts+on+Apple+Podcasts+%7C+Stewart+Group</image:loc>
      <image:title>The Adviser Talk Podcast - Make it stand out</image:title>
      <image:caption>APPLE PODCASTS</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/1593116352482-HU53BRCMRW3JQ8LG4K7T/acast.png</image:loc>
      <image:title>The Adviser Talk Podcast - Make it stand out</image:title>
      <image:caption>ACAST</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/anzac-day-2025</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-04-23</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/e53823a1-29f8-4fc3-b02c-2f189da6eaf8/57x2d.jpg</image:loc>
      <image:title>ANZAC Day 2025 - Make it stand out</image:title>
      <image:caption>ARNOLD JOHN “JIM” STEWART</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/aa1fb0bb-720b-48d7-96e2-858df3f99452/57x2+AJS.jpg</image:loc>
      <image:title>ANZAC Day 2025 - Make it stand out</image:title>
      <image:caption>JIM STEWART (BOTTOM LEFT)</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/95742fd6-89b7-44b5-959a-d2a7e135b99f/https___media.api.aucklandmuseum.com_id_media_v_299630_rendering%3Doriginal.jpg</image:loc>
      <image:title>ANZAC Day 2025 - Make it stand out</image:title>
      <image:caption>PRIVATE JOHN HEWITT</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/7e8af329-4917-426f-874a-f239903d4cc7/IMG_0441.jpg</image:loc>
      <image:title>ANZAC Day 2025 - Make it stand out</image:title>
      <image:caption>PRIVATE HERBERT WHITTWORTH GALLOWAY</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/849f8e2b-46c1-4e7c-808f-373c0eae5d6a/file-6.jpeg</image:loc>
      <image:title>ANZAC Day 2025 - Make it stand out</image:title>
      <image:caption>JOHN BLAIR THOMPSON</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/a75b7cc5-6476-4db0-81a4-ea566340e959/IMG_0440.jpg</image:loc>
      <image:title>ANZAC Day 2025 - Make it stand out</image:title>
      <image:caption>JOHN (RIGHT) - FULL IMAGE</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/458b2235-7d8a-4192-a330-ee3382acbcc8/Hirini+Tarapehu+McIlroy+-+Sid.jpg</image:loc>
      <image:title>ANZAC Day 2025 - Make it stand out</image:title>
      <image:caption>HIRINI TARAPEHU MCILROY (SID)</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/2d8f94f0-f88c-4067-a95a-5391a3a0f05e/am_media-public-4023e112-6c25-4ade-bc1a-b453ab7ad5a9-original-jpg.jpg</image:loc>
      <image:title>ANZAC Day 2025 - 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/v1/59f10713edaed8d2d2501c0c/d9312697-774a-4dc5-9a22-b7880e22e66a/WF+Snelleksz.jpg</image:loc>
      <image:title>ANZAC Day 2025 - Make it stand out</image:title>
      <image:caption>LANCE CORPORAL W.F. SNELLEKSZ</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/ffe5a596-0403-4d34-b4ec-a8f274e346e0/Honours+Board.jpg</image:loc>
      <image:title>ANZAC Day 2025 - Make it stand out</image:title>
      <image:caption>SCHOOL HONOURS</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/531de78a-edac-4d9e-814c-91f1861f9e46/Poppy+Ribbons+%26+Pips.jpg</image:loc>
      <image:title>ANZAC Day 2025 - Make it stand out</image:title>
      <image:caption>RIBBONS &amp; PIPS</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/224a9cf9-6ecf-4ca2-ad7c-cb9ff7f45cc5/Buck+House+-+the+King.jpg</image:loc>
      <image:title>ANZAC Day 2025 - Make it stand out</image:title>
      <image:caption>LETTER FROM THE KING</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/c6dcd628-0fc7-4fe8-9293-619664eae5d1/Letter+Pg+1.jpg</image:loc>
      <image:title>ANZAC Day 2025 - 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/v1/59f10713edaed8d2d2501c0c/00ef4c55-e6fb-4d6c-b05e-0f15535caf2c/Letter+Pg2.jpg</image:loc>
      <image:title>ANZAC Day 2025 - 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/v1/59f10713edaed8d2d2501c0c/8d6a8a59-587a-4e00-9798-e21c7e62b829/FL23925179.jpg</image:loc>
      <image:title>ANZAC Day 2025 - Make it stand out</image:title>
      <image:caption>LETTER FROM THE SECRETARY - CANTERBURY PROVINCIAL PATRIOTIC COUNCIL</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/d99b8407-f4fd-4c58-a3de-ba94fa1d7a5b/Grandfather.jpg</image:loc>
      <image:title>ANZAC Day 2025 - Make it stand out</image:title>
      <image:caption>ERNEST WILLIAM FLANAGAN</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/b8ad73fd-53c5-4d0c-a14c-ded7a0b273a5/Picture3.jpg</image:loc>
      <image:title>ANZAC Day 2025 - Make it stand out</image:title>
      <image:caption>SS NIEU ZEELAND, LATER TORPEDOED AND SUNK</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/a1da226e-d641-4b3a-9a28-1a3fab3854ef/Joseph+Lennon.jpg</image:loc>
      <image:title>ANZAC Day 2025 - Make it stand out</image:title>
      <image:caption>JOSEPH LENNON</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/e679d8d1-8816-4d61-8aed-250ed06a7b57/Private+Andrew+J+Priest+-+WW1.png</image:loc>
      <image:title>ANZAC Day 2025 - 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.stewartgroup.co.nz/sfg-family-recipes</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-05-01</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/0850487e-5c01-48fe-a5fe-6585a38883ee/pexels-nadin-sh-78971847-29333560.jpg</image:loc>
      <image:title>Stewart Group's Family Recipes - 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.stewartgroup.co.nz/stewart-group-cefex-certificate</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-07-14</lastmod>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/wine-information</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-08-25</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/13e4c60a-6072-4d7d-9983-551279f83828/Screenshot+2025-08-04+153159.png</image:loc>
      <image:title>Wine Information - 4 August 2025 - 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.stewartgroup.co.nz/wip-uk-pension</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-08-19</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/1dbbe024-df45-41d7-98d2-e0edde0fda60/Screenshot+2025-08-18+170132.png</image:loc>
      <image:title>WIP - UK Pension</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/home-test-wip</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-08-20</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/46e97b04-0db3-489d-bb7f-99cfa7531ce1/Hooker+Valley+Track_Web+HEader.png</image:loc>
      <image:title>Home TEST WIP</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/8a81b7c1-8fa8-4743-870b-e8862e8860f1/1.png</image:loc>
      <image:title>Home TEST WIP - 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/v1/59f10713edaed8d2d2501c0c/d9adc1de-9087-4ab0-8dab-c43d79efb58c/2.png</image:loc>
      <image:title>Home TEST WIP - 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/v1/59f10713edaed8d2d2501c0c/2b233743-9a0b-4cb7-bd8a-4792a33cb85a/3.png</image:loc>
      <image:title>Home TEST WIP - 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/v1/59f10713edaed8d2d2501c0c/d9f854bb-2309-460b-a9ec-852aaf68b5bc/DLS-Associates-Street-View-2.png</image:loc>
      <image:title>Home TEST WIP - 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/v1/59f10713edaed8d2d2501c0c/2024b125-0540-4d0e-991c-6d75beb649ef/1.jpg</image:loc>
      <image:title>Home TEST WIP - Make it stand out</image:title>
      <image:caption>Rory O’Neill (Director,General Manager) &amp; Nick Stewart (CEO) at 204 Karamu Road North</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/935040d8-9086-4b81-ab2c-b394fb16e512/TRSN+V.jpg</image:loc>
      <image:title>Home TEST WIP - 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/v1/59f10713edaed8d2d2501c0c/dfcd73e0-e907-41a5-bdf1-d2fa270470af/DSCF3719.jpg</image:loc>
      <image:title>Home TEST WIP - Make it stand out</image:title>
      <image:caption>Māori dolls and ancient Stewart Clan tartan, side by side in our Bruce Meeting room in Hastings.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.stewartgroup.co.nz/wine-information-wgn</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-08-25</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/13e4c60a-6072-4d7d-9983-551279f83828/Screenshot+2025-08-04+153159.png</image:loc>
      <image:title>Wine Information - Wellington - 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.stewartgroup.co.nz/uk-pension-changes</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-08-29</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/59f10713edaed8d2d2501c0c/1dbbe024-df45-41d7-98d2-e0edde0fda60/Screenshot+2025-08-18+170132.png</image:loc>
      <image:title>UK Pension Changes</image:title>
    </image:image>
  </url>
</urlset>

