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12%</image:title></image:image><lastmod>2024-05-22T01:38:57+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2015/03/04/6-key-considerations-for-your-smsf-investment-strategy/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2024/05/image-2.png</image:loc><image:title>image-2</image:title></image:image><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2024/05/image-1.png</image:loc><image:title>image-1</image:title></image:image><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2024/05/image.png</image:loc><image:title>image</image:title></image:image><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2024/01/smsf016_fellow_logo_cmyk.jpg</image:loc><image:title>SMSF016_Fellow_Logo_CMYK</image:title></image:image><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2023/07/color-logo-with-background-smaller.png</image:loc><image:title>Color logo with background smaller</image:title></image:image><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2015/02/strategy.jpg</image:loc><image:title>Strategy</image:title></image:image><lastmod>2024-05-10T23:30:56+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2015/03/12/stamp-duty-on-transfers-of-property-to-an-smsf-as-at-01-jan-2015/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2015/03/img_0582.jpeg</image:loc><image:title>IMG_0582</image:title></image:image><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2015/03/caroline-harley1.jpg</image:loc><image:title>caroline-harley</image:title></image:image><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2015/03/caroline-harley.jpg</image:loc><image:title>caroline-harley</image:title><image:caption>Caroline Harley - Senior Counsel - SMSF</image:caption></image:image><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2015/03/qld-stamp-duty.jpg</image:loc><image:title>QLD Stamp Duty</image:title><image:caption>No luck in QLD</image:caption></image:image><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2015/03/stamp-duty-concession.gif</image:loc><image:title>Stamp-Duty-Concession</image:title><image:caption>Where to find them?</image:caption></image:image><lastmod>2024-05-04T02:21:03+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2013/04/11/smsf-borrowing-what-can-i-do-with-an-investment-property-within-the-rules/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2013/04/smsf-repairs-maintenance.jpg</image:loc><image:title>SMSF Repairs and Maintenance</image:title><image:caption>Repairs v Improvements</image:caption></image:image><lastmod>2024-04-29T11:17:34+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2012/10/30/what-information-do-i-need-to-provide-for-my-smsf-audit/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2012/10/checks-and-balances.jpg</image:loc><image:title>checks and balances</image:title></image:image><lastmod>2024-04-29T10:41:30+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2014/09/24/10-tips-for-salvaging-your-retirement-plans/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2014/09/time-to-plan.jpg</image:loc><image:title>time to plan</image:title></image:image><lastmod>2024-04-15T01:49:21+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2015/02/27/multiple-smsfs-may-be-a-smart-strategy-for-property-investors/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2015/02/realestate.jpg</image:loc><image:title>Realestate</image:title></image:image><lastmod>2024-04-15T01:42:12+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2014/07/11/how-much-can-i-earn-outside-of-my-smsf-tax-free/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2014/07/image-courtesy-of-stuart-miles-freedigitalphotos-net-e1404968056384.jpg</image:loc><image:title>Image courtesy of Stuart Miles - FreeDigitalPhotos net</image:title></image:image><lastmod>2024-03-01T03:57:56+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2012/08/09/trading-company-as-smsf-trustee-or-sole-purpose-smsf-trustee-company/</loc><lastmod>2024-07-07T23:43:14+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2019/09/04/why-you-should-make-loans-to-your-children-not-gift-them-money/</loc><lastmod>2023-12-05T10:30:00+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2014/05/29/how-to-wind-up-your-smsf/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2014/05/smsf-shutdown.jpg</image:loc><image:title>SMSF-shutdown</image:title></image:image><lastmod>2023-11-18T01:54:26+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2015/09/24/in-specie-contributions-to-and-from-an-smsf/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2015/09/invest-word-cloud.jpg</image:loc><image:title>Invest Word Cloud</image:title></image:image><lastmod>2023-11-11T23:11:46+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2019/01/14/beware-of-property-one-stop-shops-when-buying-for-your-smsf/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2019/01/no-to-one-stop-shops.jpg</image:loc><image:title>no to one-stop-shops</image:title></image:image><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2018/11/smsf-adviser-of-the-year.png</image:loc><image:title>SMSF Adviser of the Year</image:title></image:image><lastmod>2023-11-11T22:43:40+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2019/09/18/how-to-determine-if-the-trend-is-your-friend/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2019/09/momentum.jpg</image:loc><image:title>momentum</image:title></image:image><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2019/09/pic-2.png</image:loc><image:title>pic 2</image:title></image:image><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2019/09/pic-1.png</image:loc><image:title>Pic 1</image:title></image:image><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2019/09/lawrence.jpg</image:loc><image:title>lawrence lamb</image:title></image:image><lastmod>2023-11-03T00:31:40+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2021/11/02/smsf-trustees-how-to-get-your-director-identification-number/</loc><lastmod>2023-10-13T00:26:43+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2014/03/05/benefits-of-transferring-a-business-property-in-to-your-smsf-superannuation-strategy/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2014/03/smsf_specialist_logo_small.jpg</image:loc><image:title>SMSF Specialist</image:title></image:image><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2015/03/smsf_specialist_logo_rgb.jpg</image:loc><image:title>SMSF_Specialist_Logo_RGB</image:title></image:image><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2014/03/office-building.jpg</image:loc><image:title>Office Building</image:title></image:image><lastmod>2023-07-20T12:25:35+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/videos/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2016/02/liam-fspower50-and-smsf-ssa.jpg</image:loc><image:title>Liam FSPOWER50 and SMSF SSA</image:title></image:image><lastmod>2023-07-01T05:37:26+00:00</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>https://smsfcoach.com.au/what-people-say-about-us-references/</loc><lastmod>2023-07-01T05:36:12+00:00</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>https://smsfcoach.com.au/what-is-self-managed-super-all-about/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2012/08/smsf-qs-invite1.png</image:loc><image:title>SMSF Q's invite</image:title></image:image><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2012/08/smsf-qs-invite.png</image:loc><image:title>SMSF Q's invite</image:title></image:image><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2012/08/smsf-qs.png</image:loc><image:title>SMSF Q's</image:title></image:image><lastmod>2023-07-01T05:09:38+00:00</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>https://smsfcoach.com.au/2023/06/02/the-ultimate-smsf-end-of-financial-year-checklist-2023/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2023/06/img_9976.jpeg</image:loc><image:title>IMG_9976</image:title></image:image><lastmod>2023-07-01T03:34:30+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2014/09/01/video-dont-sign-that-trustee-declaration-if-you-are-not-sure-of-your-duties/</loc><lastmod>2023-03-24T00:49:49+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2012/12/19/why-self-managed-super-funds-should-have-a-corporate-trustee/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2012/08/wrong-trustee.jpg</image:loc><image:title>Wrong Trustee</image:title></image:image><lastmod>2023-03-24T00:48:25+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2012/02/25/7-common-smsf-pension-errors/</loc><lastmod>2023-03-24T00:47:02+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2012/08/22/self-managed-super-funds-must-include-an-insurance-needs-analysis-as-part-of-the-funds-smsf-investment-strategy/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2012/08/insurance-protection.jpg</image:loc><image:title>Insurance protection</image:title></image:image><lastmod>2023-03-24T00:46:19+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2016/12/05/top-ten-investment-rules-every-smsf-trustee-should-review-annually/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2016/12/dacee1ee-a610-47e7-a21c-36ca0f40e3dc-7421-000014ef2196c71c_tmp.jpg</image:loc><image:title>Top 10 investment rules</image:title></image:image><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2016/12/bfc94d7a-1b71-43bf-88a0-4f5d1d5ecbd2-7421-000014efb0189b0c_tmp.jpg</image:loc><image:title>bfc94d7a-1b71-43bf-88a0-4f5d1d5ecbd2-7421-000014efb0189b0c_tmp</image:title></image:image><lastmod>2023-03-24T00:43:57+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2012/03/26/what-can-my-smsf-invest-in/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2012/03/7e623c9e-5f9e-46cf-890e-abc89d961462.jpeg</image:loc><image:title>7E623C9E-5F9E-46CF-890E-ABC89D961462</image:title></image:image><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2012/03/investment1.jpg</image:loc><image:title>Investment</image:title></image:image><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2012/03/smsf-piggy.jpg</image:loc><image:title>SMSF piggy</image:title></image:image><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2012/03/share-trading.jpg</image:loc><image:title>Share Trading</image:title></image:image><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2012/03/nest-egg.jpg</image:loc><image:title>Nest Egg</image:title></image:image><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2012/03/investment.jpg</image:loc><image:title>Investment</image:title></image:image><lastmod>2023-03-24T00:42:26+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2011/10/20/10-common-mistakes-made-by-many-smsf-trustees/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2011/10/image.jpg</image:loc><image:title>Errors happen</image:title></image:image><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2013/09/logo-ssa.png</image:loc><image:title>logo-ssa</image:title></image:image><lastmod>2023-03-24T00:41:46+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2012/07/13/do-you-want-a-say-in-who-gets-your-superannuation-if-you-die-then-put-some-strategies-in-place-now/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2012/07/to-do-list.jpg</image:loc><image:title>to-do-list</image:title></image:image><lastmod>2023-03-24T00:37:47+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2014/10/01/smsf-coaching-the-complete-ato-smsf-educational-video-collection/</loc><lastmod>2023-03-24T00:35:31+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2016/03/07/are-your-accountant-lawyer-and-financial-planner-working-as-a-team-for-your-benefit/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2016/03/id-100390754.jpg</image:loc><image:title>ID-100390754</image:title></image:image><lastmod>2023-03-24T00:34:19+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2014/07/07/thinking-about-an-smsf-theres-an-ato-app-for-that/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2014/07/ato-checklists.png</image:loc><image:title>ATO Checklists</image:title></image:image><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2014/07/ato-app2.png</image:loc><image:title>ATO App2</image:title></image:image><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2014/07/ato-app-1.png</image:loc><image:title>ATO App 1</image:title></image:image><lastmod>2023-03-24T00:32:47+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2014/05/21/whats-involved-in-setting-up-and-running-a-smsf/</loc><lastmod>2023-03-24T00:30:30+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2013/07/31/using-your-smsf-to-plan-now-for-a-future-downsize-and-a-seachange/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2013/07/problems-solutions.jpg</image:loc><image:title>Problems and Solutions</image:title></image:image><lastmod>2022-09-23T09:48:50+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2012/07/05/merging-of-pensioner-tax-offset-and-senior-australians-tax-offset-to-new-seniors-and-pensioners-tax-offset-sapto/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2012/07/twitter-button.png</image:loc><image:title>Twitter button</image:title></image:image><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2012/07/linkedin-button.png</image:loc><image:title>Linkedin Button</image:title></image:image><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2012/07/facebook-icon.png</image:loc><image:title>FaceBook-icon</image:title></image:image><lastmod>2022-07-12T22:50:59+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2022/06/09/the-ultimate-smsf-end-of-financial-year-checklist-2022/</loc><lastmod>2022-07-01T00:34:07+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2022/01/20/buying-a-property-for-your-smsf-why-use-a-buyers-agent/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2013/08/jay-anderson.jpg</image:loc><image:title>Jay Anderson</image:title></image:image><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2013/08/my-choice-properties.jpg</image:loc><image:title>My Choice Properties</image:title></image:image><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2013/08/louis.jpg</image:loc><image:title>Louis Fourie</image:title><image:caption>Louis fourie
Property Investment Advisor &amp; Buyers Agent</image:caption></image:image><lastmod>2022-08-02T02:32:12+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2021/09/24/rent-relief-extended-by-ato-for-smsfs-for-2021-22/</loc><lastmod>2021-09-24T00:07:40+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2021/06/04/the-ultimate-smsf-end-of-financial-year-checklist-2021/</loc><lastmod>2021-06-03T22:16:03+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2020/02/05/covid-19-stimulus-package-2-reduction-in-minimum-pensions-and-deeming/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2020/02/coronavirus-stimulus-package.png</image:loc><image:title>coronavirus-stimulus-package</image:title></image:image><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2020/02/sms.png</image:loc><image:title>SMS</image:title></image:image><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2020/02/macquarie-online.png</image:loc><image:title>Macquarie online</image:title></image:image><lastmod>2021-06-03T20:57:57+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2021/05/12/federal-budget-2021-summary-an-smsf-friendly-budget/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2021/05/budget-2021.jpg</image:loc><image:title>budget-2021</image:title></image:image><lastmod>2021-05-14T10:49:30+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2015/12/15/explaining-our-smsf-coaching-service-in-a-short-video/</loc><lastmod>2021-03-19T07:16:44+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2016/03/02/12-triggers-to-review-your-legal-documents-or-estate-planning-arrangements/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2016/02/review-2.jpg</image:loc><image:title>Legal Review</image:title></image:image><lastmod>2021-03-19T07:11:22+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2016/02/24/when-should-i-apply-for-smsf-specific-advice-or-a-private-ruling/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2016/02/private-ruling.jpg</image:loc><image:title>Private Ruling</image:title></image:image><lastmod>2021-03-19T07:08:49+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2016/03/05/are-you-ready-for-a-modern-retirement/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2016/03/id-10034769.jpg</image:loc><image:title>ID-10034769</image:title></image:image><lastmod>2021-03-19T07:02:43+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2017/09/12/dont-rush-in-to-downsizing-your-home/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2017/09/robby-vabn-dalen.jpg</image:loc><image:title>Robby van Dalen</image:title></image:image><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2017/09/figure-1-sources-of-income.jpg</image:loc><image:title>Figure 1 - Sources of Income</image:title></image:image><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2017/09/figure-2-assets-and-income-test.jpg</image:loc><image:title>Figure 2 - Assets and Income Test</image:title></image:image><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2017/09/figure-3-comparison-of-age-pension-payments.jpg</image:loc><image:title>Figure 3 - comparison of Age Pension Payments</image:title></image:image><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2017/09/figure-4-total-age-pension-payment.jpg</image:loc><image:title>Figure 4 - Total Age Pension Payment</image:title></image:image><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2017/09/figure-5-comparison-of-total-wealth.jpg</image:loc><image:title>Figure 5 - Comparison of Total Wealth</image:title></image:image><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2017/09/figure-6-comparison-over-20-years.jpg</image:loc><image:title>Figure 6 - Comparison over 20 years</image:title></image:image><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2017/09/downsizingyourhome.png</image:loc><image:title>Downsizing Your Home</image:title></image:image><lastmod>2021-03-19T07:01:43+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2013/05/30/can-i-still-transfer-shares-i-own-to-my-smsf/</loc><lastmod>2021-03-13T06:34:20+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2017/08/29/tips-and-traps-of-leaving-insurance-in-your-old-superannuation-account/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2017/08/img_4545.jpg</image:loc><image:title>IMG_4545</image:title></image:image><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2017/08/0c6a273e-62a7-4d42-bda0-d245674768aa-1579-00000428a0e46fea.jpeg</image:loc><image:title>0C6A273E-62A7-4D42-BDA0-D245674768AA-1579-00000428A0E46FEA</image:title></image:image><lastmod>2021-02-21T02:40:11+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2017/07/31/trusts-101-a-guide-to-what-they-are-and-how-they-work-in-australia/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2017/07/types-of-trust.jpg</image:loc><image:title>types of trust</image:title></image:image><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2017/07/trusts.jpg</image:loc><image:title>Trusts</image:title></image:image><lastmod>2021-02-11T08:36:53+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2020/10/30/the-latest-ato-approach-to-smsf-contraventions/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2020/10/penalty-charge-2.jpg</image:loc><image:title>SMSF Penalty Charge</image:title></image:image><lastmod>2021-03-11T11:30:47+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2018/09/12/how-much-does-it-cost-to-change-an-smsf-from-individuals-to-corporate-trustee-structure/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2018/09/smsf-trustee.png</image:loc><image:title>SMSF Trustee</image:title></image:image><lastmod>2020-11-12T22:22:23+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2015/03/09/stamp-duty-requirements-on-change-of-smsf-trustees-as-of-01-jan-2015/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2015/03/stamp-duty-nsw-vic.jpg</image:loc><image:title>Stamp Duty NSW + VIC</image:title></image:image><lastmod>2020-11-12T22:20:29+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2020/05/22/be-prepared-with-these-9-smsf-audit-tips/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2020/05/be-prepared-with-our-top-audit-tips.jpg</image:loc><image:title>Be-Prepared-with-Our-Top-Audit-Tips</image:title></image:image><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2020/05/superrecords.png</image:loc><image:title>SuperRecords</image:title></image:image><lastmod>2020-09-21T07:14:03+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2020/06/04/the-ultimate-smsf-end-of-financial-year-checklist-2020/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2020/06/eofy-tips-for-trustees.png</image:loc><image:title>EOFY Tips for Trustees</image:title></image:image><lastmod>2020-09-24T23:01:25+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2017/08/22/do-you-need-a-review-of-your-superannuation-current-volatility-suggests-you-should-2/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2017/08/smsfaccounting_finalists__smsf-and-accounting-professional-of-the-year-metropolitan-small.png</image:loc><image:title>SMSF&amp;ACCOUNTING_Finalists__SMSF and Accounting Professional of the Year - Metropolitan - small</image:title></image:image><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2017/08/smsfaccounting_finalists__smsf-adviser-of-the-year-small.png</image:loc><image:title>SMSF&amp;ACCOUNTING_Finalists__SMSF Adviser of the Year - small</image:title></image:image><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2017/08/smsfaccounting_finalists__smsf-adviser-of-the-year.png</image:loc><image:title>SMSF&amp;ACCOUNTING_Finalists__SMSF Adviser of the Year</image:title></image:image><lastmod>2020-05-13T07:10:46+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2020/04/02/covid-19-providing-rental-relief-for-the-tenant-in-an-smsf-property/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2020/04/rent-relief.jpg</image:loc><image:title>rent-relief</image:title></image:image><lastmod>2020-06-22T10:43:17+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2019/12/04/turned-65-this-year-superannuation-contribution-rules-limits-and-traps-2/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2019/12/facebook-icon.png</image:loc><image:title>NextGen Wealth on Facebook</image:title></image:image><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2019/12/linkedin-button.png</image:loc><image:title>Liam Shorte on Linkedin</image:title></image:image><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2019/12/twitter-button.png</image:loc><image:title>Follow SMSFCoach on Twitter</image:title></image:image><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2019/12/smsf_specialist_logo_small.jpg</image:loc><image:title>SMSF Specialist Adviser</image:title></image:image><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2019/12/check-the-strategy-first.jpg</image:loc><image:title>Check with Liam Shorte</image:title></image:image><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2019/12/checklist.jpg</image:loc><image:title>Featured Image -- 14188</image:title></image:image><lastmod>2019-12-04T05:51:37+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2015/04/13/turned-65-this-year-superannuation-contribution-rules-limits-and-traps/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2015/04/check-the-strategy-first.jpg</image:loc><image:title>Check the strategy first</image:title><image:caption>Get advice - Get it right</image:caption></image:image><lastmod>2019-12-04T05:46:29+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2016/01/27/5-strategies-for-women-to-maintain-momentum-in-super-while-out-of-the-workforce/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2016/01/dont-lose-momentum.jpg</image:loc><image:title>Don't lose momentum</image:title></image:image><lastmod>2019-09-26T04:21:15+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2016/11/17/how-to-use-insurance-to-pay-out-an-smsf-property-mortgage-on-death-or-disability/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2016/11/id-10058207.jpg</image:loc><image:title>Protect Investment Property</image:title></image:image><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2016/11/example-2-non-tax-dependants-outcome.png</image:loc><image:title>example-2-non-tax-dependants-outcome</image:title></image:image><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2016/11/example-2-non-tax-dependants.png</image:loc><image:title>example-2-non-tax-dependants</image:title></image:image><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2016/11/example-1-tax-dependants.png</image:loc><image:title>example-1-tax-dependants</image:title></image:image><lastmod>2019-09-01T20:25:07+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2016/02/15/11-most-common-family-trust-deed-faults-that-can-still-be-rectified/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2016/02/id-100282083.jpg</image:loc><image:title>Deeds</image:title></image:image><lastmod>2019-08-16T06:55:00+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2019/08/14/ato-looking-to-challenge-smsf-trustees-about-lack-of-diversification/</loc><lastmod>2019-08-13T23:15:47+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2012/03/10/smsfs-allocation-to-international-shares/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2012/03/difference-in-global-domestic-sector-allocation.jpg</image:loc><image:title>Difference in Global &amp; Domestic Sector Allocation</image:title></image:image><lastmod>2019-08-13T01:32:50+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2017/03/28/smsf-coaching-best-performing-asset-class-annually-for-last-20-years-2/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2017/03/annual-total-returns-of-key-asset-classes-1999e280932018.png</image:loc><image:title>ANNUAL TOTAL RETURNS OF KEY ASSET CLASSES 1999–2018</image:title></image:image><lastmod>2019-08-13T00:58:21+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2014/06/24/smsf-investing-understanding-home-country-bias/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2014/06/socceroos.jpg</image:loc><image:title>Socceroos</image:title></image:image><lastmod>2019-08-13T00:39:41+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2011/06/01/tax-planning-for-small-business-owners-over-55/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2011/06/twitter.png</image:loc><image:title>Twitter</image:title></image:image><lastmod>2019-08-08T05:13:11+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2011/06/22/future-service-benefits-deduction-a-more-practical-alternative-to-the-anti-detriment-tax-deduction-for-smsfs-and-another-example-of-where-smsfs-may-lead-to-better-outcomes/</loc><lastmod>2020-11-05T17:00:00+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2011/08/12/divorce-in-your-50s-or-60s-with-an-smsf-andor-small-business-to-deal-with/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2011/08/divorce.jpg</image:loc><image:title>Divorce</image:title></image:image><lastmod>2019-08-08T05:12:05+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2011/08/27/are-we-crazy-to-invest-overseas/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2011/08/currencies.jpg</image:loc><image:title>International Investing</image:title></image:image><lastmod>2019-08-08T05:11:28+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2011/08/30/how-to-react-to-this-volatility-as-a-smsf-trustee-investor/</loc><lastmod>2019-08-08T05:10:55+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2011/09/12/five-pointers-to-consider-when-looking-at-dividend-investing/</loc><lastmod>2019-08-08T05:10:24+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2011/09/27/is-the-reduced-guarantee-on-term-deposits-a-manageable-risk-for-smsf-trustees/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2011/09/id-100264824.jpg</image:loc><image:title>ID-100264824</image:title></image:image><lastmod>2019-08-08T05:09:58+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2012/03/11/understanding-bonds-guidance-for-smsf-trustees/</loc><lastmod>2019-08-08T05:06:56+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2012/03/31/how-an-smsf-purchases-investments-6-steps-to-follow/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2012/03/nest-egg1.jpg</image:loc><image:title>Nest Egg</image:title></image:image><lastmod>2019-08-08T05:05:20+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2012/04/18/superannuation-splitting-to-a-spouse-already-in-or-entering-transition-to-retirement-phase/</loc><lastmod>2019-08-08T05:04:38+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2012/04/26/superannuation-guarantee-age-limit-to-be-abolished-in-2013/</loc><lastmod>2019-08-08T05:04:02+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2012/04/27/the-added-value-of-franking-credits-in-a-smsf-portfolio/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2012/04/share-trading.jpg</image:loc><image:title>Share Trading</image:title></image:image><lastmod>2019-08-08T05:03:23+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2012/05/23/consider-prepaying-next-years-private-health-insurance-before-june-30th-eofy-money-saving-tip-1/</loc><lastmod>2019-08-08T05:02:39+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2012/05/26/how-is-your-smsf-protected-in-the-event-of-bankruptcy/</loc><lastmod>2019-08-08T05:02:05+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2012/06/26/last-minute-planning-checklists-for-everyone-from-small-business-owners-to-smsf-trustees-as-well-as-personal-planning/</loc><lastmod>2019-08-08T05:01:32+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2012/07/27/tips-to-protect-your-smsf-against-fraud/</loc><lastmod>2019-08-08T05:00:00+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2012/07/28/breach-the-smsf-access-rules-and-the-penalties-are-high/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2012/07/minefield2.jpg</image:loc><image:title>Minefield2</image:title></image:image><lastmod>2019-08-21T10:15:57+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2012/08/07/seeking-advice-makes-people-proactive-on-super-smsf-clients-even-more-so/</loc><lastmod>2019-08-08T04:58:45+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2012/08/24/think-twice-before-cancelling-insurances-as-you-get-older/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2012/08/protectingit.jpg</image:loc><image:title>Protecting Income</image:title></image:image><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2012/08/australian-money.jpg</image:loc><image:title>australian money</image:title><image:caption>How much to take to stay compliant with your pension</image:caption></image:image><lastmod>2019-08-08T04:56:04+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2012/09/08/skeletons-in-the-cupboards-and-tax-man-at-the-door-estate-planning-solutions-for-smsf-members/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2012/09/skeleton-in-cupboard.jpg</image:loc><image:title>Skeleton in Cupboard</image:title></image:image><lastmod>2019-08-08T04:55:07+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2012/09/19/dont-depend-on-working-longer-to-save-for-your-retirement-income/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2012/09/retirement-ages.jpg</image:loc><image:title>Retirement ages</image:title></image:image><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2012/09/retirement-income.jpg</image:loc><image:title>Retirement Income</image:title></image:image><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2012/09/google1.png</image:loc><image:title>Follow Liam on Google+</image:title></image:image><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2012/09/google-e1348201480558.png</image:loc><image:title>Google+</image:title></image:image><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2012/09/wordpress-blog.jpg</image:loc><image:title>Wordpress Blog</image:title></image:image><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2012/09/crystal-ball.jpg</image:loc><image:title>crystal-ball</image:title></image:image><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2012/09/2011-10-01-22-59-48.png</image:loc><image:title>2011-10-01 22.59.48</image:title></image:image><lastmod>2019-08-08T04:54:37+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2012/09/24/dont-lose-your-insurance-cover-in-the-haste-to-rollover-to-a-smsf/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2012/09/baby-bathwater.jpg</image:loc><image:title>Baby - Bathwater</image:title></image:image><lastmod>2019-08-08T04:54:00+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2012/10/02/2-hits-to-retirees-on-the-cards-term-deposit-rates-down-swanny-on-the-pillage/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2012/10/retirement.jpg</image:loc><image:title>Retirement Income</image:title></image:image><lastmod>2019-08-08T04:53:29+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2012/10/15/are-smsf-investors-really-comparing-hybrids-vs-company-shares/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2012/10/id-100385312.jpg</image:loc><image:title>ID-100385312</image:title></image:image><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2012/10/problems-solutions.jpg</image:loc><image:title>Problems &amp; Solutions</image:title></image:image><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2012/10/cba-v-perls-iv.jpg</image:loc><image:title>CBA v PERLS IV</image:title></image:image><lastmod>2019-08-08T04:52:56+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2012/10/18/is-your-smsf-lending-money-to-someone/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2012/10/breaking-in-to-piggy-bank.jpg</image:loc><image:title>breaking in to piggy bank</image:title></image:image><lastmod>2020-08-31T03:28:37+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2012/10/22/superannuation-tax-certainty-for-deceased-estates-government-myefo-announcement-good-for-smsfs/</loc><lastmod>2019-08-08T04:51:55+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2012/11/02/government-bonds-arrive-for-retail-investors-but-may-not-jump-out-of-the-gate/</loc><lastmod>2023-05-25T08:27:21+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2013/01/29/what-happens-if-i-dont-take-the-minimum-pension/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2013/01/tax-free.jpg</image:loc><image:title>Tax Free</image:title></image:image><lastmod>2019-08-08T04:45:25+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2013/02/06/ato-have-released-latest-smsf-statistics/</loc><lastmod>2019-08-08T04:44:45+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2013/03/13/can-i-borrow-to-buy-a-house-and-land-package-off-the-plan-in-my-smsf/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2013/03/house-and-land.jpg</image:loc><image:title>House and Land</image:title><image:caption>Off the Plan</image:caption></image:image><lastmod>2019-08-08T04:44:04+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2013/03/23/what-are-the-new-age-limits-work-test-restrictions-for-superannuation-contributions-from-july-2013/</loc><lastmod>2019-08-08T04:43:25+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2013/04/04/using-beer-to-explain-how-tax-concessions-work/</loc><lastmod>2019-08-08T04:42:46+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2013/04/04/new-changes-to-superannuation-in-summary-for-smsf-trustees/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2013/04/tax-reform.jpg</image:loc><image:title>Tax Reform</image:title></image:image><lastmod>2019-08-08T04:42:01+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2013/04/09/super-changes-will-hit-saving-strategies/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2013/04/no-more-tax-free.jpg</image:loc><image:title>No More Tax Free</image:title></image:image><lastmod>2019-08-08T04:40:58+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2013/04/12/smsf-end-of-financial-year-checklist-2013/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2013/04/checklist.jpg</image:loc><image:title>SMSF 2013 Checklist</image:title></image:image><lastmod>2019-08-08T04:38:54+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2013/04/18/asic-releases-checklist-for-those-giving-smsf-advice/</loc><lastmod>2019-08-08T04:38:26+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2013/04/26/how-do-i-start-a-pension-in-a-smsf/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2013/04/cut-tax-use-smsf-pension.jpg</image:loc><image:title>Cut Tax use SMSF Pension</image:title></image:image><lastmod>2021-08-13T06:17:59+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2013/05/22/how-do-i-add-more-money-to-pension-phase-in-my-smsf/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2013/05/consolidate-pensions.jpg</image:loc><image:title>Consolidate Pensions</image:title></image:image><lastmod>2019-08-08T04:37:06+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2013/06/03/why-paying-expenses-on-behalf-of-a-smsf-may-constitute-a-contribution/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2013/05/reminder.jpg</image:loc><image:title>Paying expenses for your SMSF?</image:title><image:caption>Who's paying?</image:caption></image:image><lastmod>2019-08-08T04:35:56+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2013/06/12/how-much-super-is-enough-for-retirement-easy-to-follow-video/</loc><lastmod>2019-08-08T04:34:51+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2013/06/19/can-my-smsf-buy-and-lease-plant-and-equipment-to-my-business/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2013/06/id-100210503.jpg</image:loc><image:title>ID-100210503</image:title></image:image><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2013/06/plant-equipment-in-smsf.jpg</image:loc><image:title>Plant and Equipment in SMSF</image:title><image:caption>Equipment in an SMSF</image:caption></image:image><lastmod>2022-10-05T00:28:07+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2013/06/27/one-page-smsf-end-of-financial-year-checklist-2013/</loc><lastmod>2019-08-08T04:20:52+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2013/06/28/make-sure-you-do-not-leave-smsf-money-idle-in-accounts/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2013/06/missing-money.jpg</image:loc><image:title>Missing Money</image:title></image:image><lastmod>2019-08-08T04:19:55+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2013/07/29/owning-your-business-property-in-a-smsf/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2013/07/business-premises.jpg</image:loc><image:title>Business Premises</image:title></image:image><lastmod>2019-08-08T04:18:45+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2013/09/04/aged-59-64-and-not-on-a-transition-to-retirement-pension-shame-on-you/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2013/09/ttr.png</image:loc><image:title>TTR</image:title></image:image><lastmod>2019-08-08T04:13:27+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2013/09/10/making-the-most-of-the-transition-to-retirement-pension-over-age-59/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2013/09/reset.jpg</image:loc><image:title>reset</image:title><image:caption>Pensions are not set in stone. </image:caption></image:image><lastmod>2019-08-08T04:12:37+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2013/09/13/protecting-your-retirement-and-your-grandchildren/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2013/09/safety-net.jpeg</image:loc><image:title>safety net using insurance</image:title></image:image><lastmod>2019-08-08T04:10:38+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2013/09/25/question-on-multiple-progress-payments-when-buying-a-house-land-package-in-a-smsf/</loc><lastmod>2019-08-08T04:09:52+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2013/10/01/reminder-minimum-annual-payments-for-superannuation-income-streams-in-2014-15-including-smsf-pensions/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2012/09/fan-of-aussie-notes.jpg</image:loc><image:title>Minimum Pension</image:title><image:caption>How much to take to stay compliant with your pension</image:caption></image:image><lastmod>2019-08-08T04:08:41+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2013/10/25/do-you-have-access-to-copies-of-your-important-personal-and-smsf-documentation/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2013/10/emergency-paper-records.jpg</image:loc><image:title>Emergency Paper Records</image:title><image:caption>Get Away Folder</image:caption></image:image><lastmod>2019-08-08T04:07:23+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2013/10/29/deeming-rates-to-reduce-relief-for-smsf-cash-investors/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2013/10/centrelink.jpg</image:loc><image:title>Centrelink</image:title></image:image><lastmod>2019-08-08T04:06:14+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2013/11/07/government-superannuation-proposals-review-what-got-the-flick/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2013/11/amber.jpg</image:loc><image:title>Amber</image:title></image:image><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2013/11/stop.jpg</image:loc><image:title>Stop</image:title></image:image><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2013/11/go.jpg</image:loc><image:title>Go</image:title></image:image><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2013/11/spring-cleaning.gif</image:loc><image:title>spring-cleaning</image:title><image:caption>Joe puts the broom to work</image:caption></image:image><lastmod>2019-08-08T04:05:34+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2013/11/14/do-i-need-annual-valautions-if-my-smsf-has-investments-in-private-trusts-or-companies/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2013/11/company-valuation.jpg</image:loc><image:title>Company Valuation</image:title></image:image><lastmod>2019-08-08T04:04:50+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2013/11/26/smsfs-and-estate-planning-when-the-documentation-does-not-match/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2013/11/estate-planning.jpeg</image:loc><image:title>Estate Planning</image:title></image:image><lastmod>2019-08-08T04:04:02+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2014/01/14/will-you-be-paying-the-new-top-up-tax-on-your-smsf-contributions/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2014/01/bleeding-a-stone-dry.jpg</image:loc><image:title>Bleeding a stone dry</image:title><image:caption>Bleeding Taxpayers Dry!</image:caption></image:image><lastmod>2021-06-27T01:17:41+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2014/02/07/how-much-do-i-need-to-live-comfortably-in-retirement/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2014/02/budgeting-for-retirement.jpg</image:loc><image:title>Budgeting for Retirement</image:title></image:image><lastmod>2019-08-08T04:02:40+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2014/02/10/taking-smsf-retirement-questions-on-sky-business-channel-retirement-show/</loc><lastmod>2019-08-08T04:02:03+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2014/02/12/landlords-insurance-a-must-for-your-smsf-property/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2014/02/brett-thompson.jpg</image:loc><image:title>Brett Thompson</image:title></image:image><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2014/02/cgig.jpg</image:loc><image:title>C+GIG</image:title></image:image><lastmod>2023-01-14T12:20:34+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2014/02/18/the-top-3-barriers-to-a-well-funded-retirement-and-some-practical-steps-to-address-them/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2014/02/broken-dreams.jpg</image:loc><image:title>Broken Dreams</image:title></image:image><lastmod>2019-08-08T04:00:40+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2014/02/28/sole-purpose-test-explained-in-a-video-from-the-ato-for-smsf-trustees/</loc><lastmod>2019-08-08T03:59:49+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2014/03/04/ato-releases-new-superannuation-contribution-limits-for-201415/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2014/03/know-your-limits.jpg</image:loc><image:title>Know Your Limits</image:title></image:image><lastmod>2019-08-08T03:59:17+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2014/03/07/women-retiring-on-40-less-can-we-do-something-about-it/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2014/03/women-talking-freeimage-6775972-web.jpg</image:loc><image:title>Women talking freeimage-6775972-web</image:title><image:caption>Spread the word</image:caption></image:image><lastmod>2019-08-08T03:57:18+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2014/03/13/can-my-adult-child-receive-my-super-tax-free/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2014/03/family-ties.jpg</image:loc><image:title>Family Ties</image:title><image:caption>Some worth keeping?</image:caption></image:image><lastmod>2019-08-08T03:56:45+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2014/04/30/are-you-finding-it-harder-to-turn-up-to-work-because-of-stress/</loc><lastmod>2019-08-08T03:55:47+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2014/05/14/harder-for-self-funded-retirees-to-get-the-commonwealth-seniors-health-card/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2014/05/cshc.jpg</image:loc><image:title>CSHC</image:title><image:caption>Out of reach?</image:caption></image:image><lastmod>2019-08-08T03:55:17+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2014/05/18/when-can-i-access-the-centrelink-age-pension-2/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2014/05/pension-age-70.jpg</image:loc><image:title>pension-age-70</image:title></image:image><lastmod>2019-08-08T03:54:46+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2014/06/03/how-a-smsf-can-purchase-a-property-with-a-related-party-using-a-13-22c-trust/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2014/06/13-22c-unit-trust2.jpg</image:loc><image:title>13.22C Unit Trust</image:title></image:image><lastmod>2019-08-08T03:52:18+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2014/06/06/smsf-end-of-financial-year-checklist-2015/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2014/06/june-30th-smsf-checklist.jpg</image:loc><image:title>June 30th SMSF Checklist</image:title><image:caption>Last minute strategy check</image:caption></image:image><lastmod>2019-08-08T03:51:34+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2014/06/20/loss-aversion-what-can-golf-teach-smsf-trustees-about-investing/</loc><lastmod>2019-08-08T03:50:28+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2014/07/15/perpetual-makes-move-to-reduce-exposure-to-banks-and-telstra/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2014/07/perpetual-wholesale-industrial-share-unit-price.gif</image:loc><image:title>Perpetual Wholesale Industrial Share Unit Price</image:title></image:image><lastmod>2019-08-08T03:46:53+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2014/07/17/whats-in-a-smsf-investment-strategy/</loc><lastmod>2019-08-08T03:45:56+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2014/07/21/ato-smsf-video-smsf-loans-to-you-or-your-relatives/</loc><lastmod>2019-08-08T03:45:02+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2014/07/22/definition-of-dependant-for-superannuation-benefits-evolving/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2014/07/image2.jpg</image:loc><image:title>image</image:title></image:image><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2014/07/image1.jpg</image:loc><image:title>image</image:title></image:image><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2014/07/image.jpg</image:loc><image:title>image</image:title></image:image><lastmod>2019-08-08T03:43:28+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2014/07/27/explaining-a-balanced-lifestyle-using-a-mayonnaise-jar-and-two-beers/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2014/07/jar-golf-balls-and-beer.jpg</image:loc><image:title>Jar , Golf Balls and Beer</image:title></image:image><lastmod>2021-10-02T08:54:31+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2014/08/13/ato-smsf-video-smsf-starting-to-pay-a-pension/</loc><lastmod>2019-08-08T03:40:40+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2014/08/21/ato-video-smsf-planning-for-the-unexpected-relationship-breakdown-incapacity-death/</loc><lastmod>2019-08-08T03:34:07+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2014/08/29/free-ato-webinars-for-smsf-trustees/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2014/08/training.jpg</image:loc><image:title>Training</image:title><image:caption>Free SMSF Webinars</image:caption></image:image><lastmod>2019-08-08T03:32:59+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2014/09/23/why-the-next-generation-of-retirees-will-find-it-harder-than-their-parents/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2014/09/up-hill-struggle.jpg</image:loc><image:title>Up Hill Struggle</image:title><image:caption>Struggle to Save</image:caption></image:image><lastmod>2019-08-08T03:29:37+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2014/11/19/ato-rules-out-cross-insurance-arrangements-within-smsf-borrowing-strategies/</loc><lastmod>2019-08-08T03:23:57+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2014/11/23/medibank-private-allocations-at-a-glance-how-much-do-i-get/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2014/11/medibankl.png</image:loc><image:title>Medibankl</image:title></image:image><lastmod>2019-08-08T03:23:27+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2014/11/27/smsf-coaching-busting-the-seven-key-myths-about-bonds/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2014/11/fiig.jpeg</image:loc><image:title>Fiig</image:title></image:image><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2014/11/join-us.jpg</image:loc><image:title>Join Us</image:title></image:image><lastmod>2024-06-05T13:22:37+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2014/12/15/smsf-sector-maturing-as-services-improving-from-industry-and-regulator/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2014/12/free-education.jpg</image:loc><image:title>FREE-EDUCATION</image:title></image:image><lastmod>2019-08-08T03:20:41+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2014/12/26/how-long-will-my-superannuation-last/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2014/12/broken-piggy-bank.jpg</image:loc><image:title>Broken Piggy Bank</image:title></image:image><lastmod>2019-08-08T03:20:04+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2015/01/05/herd-mentality-and-bubbles-be-careful-when-following-the-crowd/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2015/01/gekkos-tulip-mania-painting.jpg</image:loc><image:title>Gekkos Tulip Mania Painting</image:title><image:caption> “This is the greatest bubble story of all time… they call it the Tulip Mania.”
 - Gordon Gekko</image:caption></image:image><lastmod>2019-08-08T03:19:13+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2015/02/17/new-centrelink-deeming-rates-announced-from-march-20th-2015/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2015/02/image1.jpg</image:loc><image:title>image</image:title></image:image><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2015/02/image.jpg</image:loc><image:title>Deeming Rates from March 2015</image:title><image:caption>Deeming Rates from March 2015</image:caption></image:image><lastmod>2019-08-08T03:18:00+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2015/03/20/how-to-qualify-for-the-commonwealth-seniors-health-card/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2015/02/commonwealth-seniors-health-card.gif</image:loc><image:title>Commonwealth Seniors Health Card</image:title></image:image><lastmod>2020-07-22T11:06:57+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2015/03/23/smsf-loan-arrangements-that-contravene-super-laws-scam-alert/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2015/03/id-100291860.jpg</image:loc><image:title>ID-100291860</image:title></image:image><lastmod>2019-08-08T03:06:40+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2015/04/01/55-no-longer-target-age-for-transition-to-retirement-pension-strategy/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2015/04/tax-free-pension.jpg</image:loc><image:title>Tax Free Pension</image:title></image:image><lastmod>2019-08-08T03:05:58+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2015/04/09/tips-for-positioning-your-smsf-portfolio-for-volatile-times/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2015/04/time-for-caution.jpg</image:loc><image:title>Time for Caution</image:title><image:caption>SMSF Portfolio Management</image:caption></image:image><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2015/04/asx-all-ordianries-for-last-5-years.gif</image:loc><image:title>ASX All Ordianries for last 5 years</image:title><image:caption>Sell in May and Go Away</image:caption></image:image><lastmod>2019-08-08T03:05:23+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2015/04/22/the-hidden-value-of-great-financial-planning/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2015/04/financial-planning.jpg</image:loc><image:title>Financial Planning</image:title></image:image><lastmod>2019-08-08T03:04:04+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2015/04/24/a-closer-look-at-the-latest-ato-smsf-statistical-overview/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2015/04/smsf-members-by-age.gif</image:loc><image:title>SMSF members by age</image:title><image:caption>source: ATO</image:caption></image:image><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2015/04/anlaysis-of-smsf-stats.jpg</image:loc><image:title>Anlaysis of SMSF Stats</image:title><image:caption>Delving deeper in to SMSF stats</image:caption></image:image><lastmod>2019-08-08T03:03:28+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2015/05/03/8-per-cent-drop-in-income-thats-what-the-rba-rate-cut-means-for-cash-investors/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2015/02/rates-down-again.jpg</image:loc><image:title>Rates Down again</image:title></image:image><lastmod>2019-08-08T02:58:24+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2015/05/14/looks-like-superannuation-safe-from-reviews-for-next-few-years/</loc><lastmod>2019-08-08T02:57:55+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2015/05/25/smsf-life-insurance-policies-held-for-the-purposes-of-buy-sell-arrangements/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2015/05/darth-from-the-ato.jpg</image:loc><image:title>Darth from the ATO</image:title><image:caption>Darth from the ATO</image:caption></image:image><lastmod>2019-08-08T02:57:19+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2015/05/27/smsf-end-of-financial-year-checklist-2015-2/</loc><lastmod>2019-08-08T02:56:43+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2015/07/16/the-annihilation-of-your-assets-estate-planning/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2015/07/bryan-mitchell.jpg</image:loc><image:title>Bryan Mitchell - Solicitor</image:title><image:caption>Bryan Mitchell - Solicitor
http://www.mitchellsol.com.au/ </image:caption></image:image><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2015/07/annihilation-of-your-assets.png</image:loc><image:title>Annihilation of your Assets</image:title></image:image><lastmod>2019-08-08T02:55:11+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2015/08/21/is-your-smsf-leasing-commercial-property-tips-and-traps/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2015/08/diy-leagal-kits.png</image:loc><image:title>DIY Leagal Kits</image:title></image:image><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2015/08/ian-mcleod.jpg</image:loc><image:title>Ian Mcleod</image:title><image:caption>Ian Macleod -R.P. Emery &amp;  Associates + DIY Legal Kits</image:caption></image:image><lastmod>2019-08-08T02:54:19+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2015/09/16/smsf-investment-decision-checklist/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2015/09/checklist.jpg</image:loc><image:title>Checklist</image:title></image:image><lastmod>2019-08-08T02:53:25+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2015/10/14/dont-need-to-be-afraid-of-malcolm-turnbull-reviewing-superannuation/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2015/10/malcolm-turnbull.jpg</image:loc><image:title>Malcolm Turnbull</image:title></image:image><lastmod>2019-08-08T02:51:59+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2015/10/23/do-you-want-your-own-cayman-island-type-account-for-your-superannuation/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2015/10/tax-haven-superannuation.jpg</image:loc><image:title>Tax Haven Superannuation</image:title></image:image><lastmod>2019-08-08T02:51:18+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2015/11/18/smsf-twitter-poll-results-individual-or-corporate-trustee/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2015/11/image1.jpeg</image:loc><image:title>SMSF Individual v Corporate Trustee</image:title></image:image><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2015/11/image.jpeg</image:loc><image:title>Corporate v Individual Trustee</image:title></image:image><lastmod>2019-08-08T02:50:36+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2015/12/07/tightening-super-and-age-pension-rules-could-backfire/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2015/12/id-100250021.jpg</image:loc><image:title>ID-100250021</image:title></image:image><lastmod>2019-08-08T02:49:11+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2015/12/18/self-managed-super-funds-an-infographic-of-top-smsf-statistics-from-ato/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2015/12/image.png</image:loc><image:title>2013-14 ATO SMSF stats</image:title></image:image><lastmod>2019-08-08T02:47:57+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2015/12/29/seven-deadly-sins-of-investing-videos/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2015/12/sevendeadlysins.png</image:loc><image:title>SevenDeadlySins</image:title></image:image><lastmod>2019-08-08T02:47:17+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2016/02/03/smsf-jargon-busting-who-are-the-related-parties-of-an-smsf/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2016/02/too-close-for-comfort.jpg</image:loc><image:title>too close for comfort</image:title><image:caption>"Related Parties"</image:caption></image:image><lastmod>2020-10-02T06:31:28+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2016/02/08/smsf-alert-asx-reduces-trade-settlement-period-from-3-to-2-days/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2016/02/settlement.png</image:loc><image:title>Settlement</image:title><image:caption>Source: CommSec Adviser Services</image:caption></image:image><lastmod>2019-08-08T02:45:08+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2016/02/11/do-you-need-a-review-of-your-superannuation-current-volatility-suggests-you-should/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2016/02/superannuation-review.jpg</image:loc><image:title>Superannuation REVIEW</image:title></image:image><lastmod>2019-08-08T02:44:30+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2016/02/20/what-makes-a-good-life-lessons-from-a-75-year-study-on-happiness/</loc><lastmod>2019-08-08T02:43:08+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2016/02/25/smsf-member-guide-to-salary-sacrifice-and-superannuation/</loc><lastmod>2019-08-08T02:41:47+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2016/03/14/smsf-coaching-best-performing-asset-class-annually-for-last-20-years/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2016/03/img_4048.jpg</image:loc><image:title>IMG_4048</image:title></image:image><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2016/03/image.jpeg</image:loc><image:title>Annual Asset Class Performance</image:title><image:caption>Click on picture to access larger table</image:caption></image:image><lastmod>2019-08-08T02:37:55+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2016/03/20/when-your-husband-retires-and-the-nightmare-comes-true/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2016/03/retirement.jpg</image:loc><image:title>retirement</image:title></image:image><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2016/03/id-100201743.jpg</image:loc><image:title>Nightmare for Older Women</image:title></image:image><lastmod>2019-08-08T02:37:19+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2016/03/31/understanding-currency-exposure-when-investing-overseas-in-your-smsf/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2016/03/investing-globally.jpg</image:loc><image:title>Investing-Globally</image:title></image:image><lastmod>2019-08-08T02:36:36+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2016/04/11/explainer-how-company-versus-personal-tax-cuts-boost-the-economy/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2016/04/id-100399837.jpg</image:loc><image:title>Tax cuts v debt management</image:title></image:image><lastmod>2019-08-08T02:35:10+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2016/05/04/how-does-the-budget-2016-affect-those-with-smsf-pension-income-streams/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2016/05/id-100146842.jpg</image:loc><image:title>Budget 2016</image:title><image:caption>Budget 2016 Analysis</image:caption></image:image><lastmod>2019-08-08T02:34:38+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2016/05/05/how-does-the-budget-2016-affect-contributions-to-an-smsf/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2016/05/pre_after_tax_super_contributions.jpg</image:loc><image:title>pre_after_tax_super_contributions</image:title></image:image><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2016/05/table-div-2931.png</image:loc><image:title>Table Div 293</image:title></image:image><lastmod>2019-08-08T02:33:58+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2016/05/14/why-cats-dont-need-to-consider-life-insurance-but-you-do/</loc><lastmod>2019-08-08T02:32:56+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2016/06/09/my-call-guvera-ipo-is-not-suitable-for-my-smsf-clients-yours/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2016/06/cgeguvera.jpg</image:loc><image:title>cgeguvera</image:title><image:caption>A new Guvera - Next Big thing?</image:caption></image:image><lastmod>2019-08-08T02:32:15+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2016/06/24/how-does-uk-vote-to-leave-eu-affect-smsf-investors/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2016/06/img_3201.jpg</image:loc><image:title>img_3201</image:title></image:image><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2016/06/brexit.png</image:loc><image:title>Brexit</image:title></image:image><lastmod>2019-08-08T02:31:32+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2016/07/11/how-you-can-fund-childrens-education-in-your-will/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2016/07/beneficiaries-flow-chart1.jpg</image:loc><image:title>beneficiaries-flow-chart</image:title></image:image><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2016/07/id-100435025.jpg</image:loc><image:title>Education Funding</image:title></image:image><lastmod>2025-12-23T06:38:09+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2016/06/30/the-ultimate-smsf-end-of-financial-year-checklist-2016/</loc><lastmod>2019-08-08T02:29:55+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2016/07/19/why-every-smsf-member-should-have-an-enduring-power-of-attorney/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2016/07/power-of-attorney-header.jpg</image:loc><image:title>power-of-attorney-header</image:title></image:image><lastmod>2019-08-08T01:59:47+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2016/07/27/get-super-scheme-smart-ato-warns-on-dangers-of-retirement-planning-schemes/</loc><lastmod>2019-08-08T01:58:54+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2016/08/12/current-views-on-views-on-the-big-4-aussie-banks-for-smsf-investors/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2016/08/big-4.jpg</image:loc><image:title>Big 4</image:title></image:image><lastmod>2019-08-08T01:56:55+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2016/08/18/should-smsf-trustees-take-part-in-the-telstra-buy-back/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2016/08/telstra-buy-back.gif</image:loc><image:title>Telstra Buy Back</image:title></image:image><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2016/08/don.jpg</image:loc><image:title>don</image:title></image:image><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2016/08/telstra.png</image:loc><image:title>Telstra</image:title></image:image><lastmod>2019-08-08T01:54:12+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2016/08/22/ato-clamps-down-on-trustee-for-superannuation-early-release-scheme/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2016/08/id-100144114.jpg</image:loc><image:title>Early Access to Super</image:title></image:image><lastmod>2019-08-08T01:53:26+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2016/08/23/a-dream-without-a-plan-is-just-a-wish-dare-to-dream/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2016/08/fpa-dare-to-dream.jpg</image:loc><image:title>FPA - dare to dream</image:title><image:caption>Source: FPA Dare to Dream national research report conducted by McCrindle Research, August 2016</image:caption></image:image><lastmod>2019-08-08T01:49:33+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2016/08/29/small-apra-fund-as-an-exit-strategy-for-smsf-trustees/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2016/08/exit-strategies.jpg</image:loc><image:title>Exit Strategies</image:title></image:image><lastmod>2019-08-08T01:48:47+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2016/09/16/opportunities-after-government-back-flip-on-the-superannuation-reforms-announced-in-the-2016-budget/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2016/09/image.jpeg</image:loc><image:title>image</image:title></image:image><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2016/09/revolving-door.jpg</image:loc><image:title>revolving-door</image:title><image:caption>Superannuation - What's in , What's out the door!</image:caption></image:image><lastmod>2019-08-08T01:48:20+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2016/10/05/court-defends-superannuation-death-benefits-from-bankruptcy/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2016/10/asset-protection.jpg</image:loc><image:title>asset-protection</image:title></image:image><lastmod>2019-08-08T01:46:17+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2016/10/10/busting-the-myth-that-you-should-dispose-of-assets-to-increase-age-pension/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2016/10/img_3400.jpg</image:loc><image:title>Pension strategies that can destroy your long term income</image:title></image:image><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2016/10/img_3398.jpg</image:loc><image:title>Chart 2 – Asset Values if retiring at age 65</image:title></image:image><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2016/10/img_3397.jpg</image:loc><image:title>Total income if retiring at age 65</image:title></image:image><lastmod>2019-08-08T01:45:42+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2016/11/07/how-to-sell-a-business-tax-effectively-using-small-business-capital-gains-tax-cgt-concessions/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2016/11/tax-breaks.jpg</image:loc><image:title>tax-breaks</image:title></image:image><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2016/11/sm-cgt2.png</image:loc><image:title>sm-cgt</image:title></image:image><lastmod>2019-08-08T01:44:49+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2016/11/22/class-smsf-benchmark-report-shows-smsf-investors-using-the-newer-platforms/</loc><lastmod>2019-08-08T01:40:47+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2017/02/13/buying-property-through-your-super-smsf/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2017/02/property-in-superannuation.jpg</image:loc><image:title>property-in-superannuation</image:title></image:image><lastmod>2021-03-09T06:06:39+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2017/02/24/services-i-provide-as-a-professional-financial-planner-and-smsf-specialist-advisor/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2017/02/file-24-2-17-5-52-07-pm.jpeg</image:loc><image:title>file-24-2-17-5-52-07-pm</image:title><image:caption>Finding a Professional</image:caption></image:image><lastmod>2019-08-08T01:16:21+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2017/02/27/insights-in-to-the-ato-smsf-statistical-overview-of-2014-15-released-february-2017/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2017/02/median-balance.gif</image:loc><image:title>median-balance</image:title></image:image><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2017/02/annual-growth-in-the-number-of-smsfs-from-2012-to-2016.gif</image:loc><image:title>annual-growth-in-the-number-of-smsfs-from-2012-to-2016</image:title></image:image><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2017/02/annual-contributions.gif</image:loc><image:title>annual-contributions</image:title></image:image><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2017/02/6aa353a7-6663-456e-b522-fbd48aa32b34-5093-0000143d57eca198_tmp.png</image:loc><image:title>6aa353a7-6663-456e-b522-fbd48aa32b34-5093-0000143d57eca198_tmp</image:title></image:image><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2017/02/9050fa75-c53c-472f-b057-0ac2b3d82b55-5093-0000143d4f4c196c_tmp.png</image:loc><image:title>9050fa75-c53c-472f-b057-0ac2b3d82b55-5093-0000143d4f4c196c_tmp</image:title></image:image><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2017/02/img_39931.png</image:loc><image:title>img_3993</image:title></image:image><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2017/02/img_3996.png</image:loc><image:title>img_3996</image:title></image:image><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2017/02/img_3995.png</image:loc><image:title>img_3995</image:title></image:image><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2017/02/img_3994.png</image:loc><image:title>img_3994</image:title></image:image><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2017/02/img_3993.png</image:loc><image:title>img_3993</image:title></image:image><lastmod>2019-08-08T01:14:01+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2017/03/10/15-reasons-to-update-your-smsf-deed-for-new-strategies-in-2017/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2017/03/smsf-trust-deed.jpg</image:loc><image:title>SMSF Trust Deed</image:title></image:image><lastmod>2019-08-08T01:08:09+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2017/03/22/using-cgt-relief-for-your-transition-to-retirement-pension/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2017/03/tax-relief.jpg</image:loc><image:title>CGT Tax Relief</image:title></image:image><lastmod>2019-08-08T01:05:56+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2017/04/10/retirement-planning-tips-for-2017-onwards/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2017/04/id-100407988.jpg</image:loc><image:title>ID-100407988</image:title></image:image><lastmod>2019-08-08T01:04:13+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2017/04/21/superannuation-changes-for-self-managed-super-funds-useful-ato-links/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2017/04/new-rules-of-the-game.jpg</image:loc><image:title>New-Rules-Of-super</image:title></image:image><lastmod>2019-08-08T01:03:28+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2017/05/10/budget-matters-relevant-to-smsf-trustees/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2017/05/sigh-of-relief1.jpg</image:loc><image:title>Sigh of relief</image:title><image:caption>Sigh of relief! </image:caption></image:image><lastmod>2019-08-08T01:02:31+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2017/05/15/estate-planning-for-transition-to-retirement-pensions/</loc><lastmod>2019-08-08T01:01:49+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2017/05/25/smsf-game-changer-proposed-monthly-transfer-balance-account-reporting-to-shake-up-accountant-services/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2017/05/img_4305.jpg</image:loc><image:title>TBAR Monthly Reporting</image:title></image:image><lastmod>2019-08-08T01:01:11+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2017/05/30/how-much-can-i-earn-tax-free-outside-of-my-smsf/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2017/05/6182327f-6377-46ab-8913-73d388da0040-6645-00001afe0b6814961.jpeg</image:loc><image:title>Tax Planning outside Super</image:title></image:image><lastmod>2019-08-08T01:00:16+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2017/06/15/why-do-smsf-trustees-need-an-enduring-power-of-attorney-epoa/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2017/06/enduring-power-of-attorney.jpg</image:loc><image:title>Enduring-Power-of-Attorney</image:title></image:image><lastmod>2019-10-04T09:06:43+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2017/07/04/shares101-free-educational-video-course-on-investing-in-shares/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2017/07/owen-raszkiewicz.jpg</image:loc><image:title>Owen Raszkiewicz</image:title></image:image><lastmod>2019-08-08T00:58:42+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2017/07/25/hit-by-the-1-6m-transfer-balance-cap-maybe-you-can-get-the-cshc/</loc><lastmod>2019-08-08T00:57:33+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2017/08/15/guide-to-smsf-asset-valuations/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2017/07/asset-valuations.jpg</image:loc><image:title>Asset Valuations</image:title></image:image><lastmod>2019-08-08T00:54:49+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2017/09/06/how-the-centrelink-gifting-rules-work/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2017/08/gifting1.jpg</image:loc><image:title>Gifting</image:title></image:image><lastmod>2024-10-07T01:43:07+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2017/09/29/trust-deeds-in-the-new-smsf-world-benefit-payments-and-estate-planning/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2017/09/smsf-trust-deed-update.png</image:loc><image:title>SMSF Trust Deed Update</image:title></image:image><lastmod>2019-08-08T00:50:17+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2017/10/05/3-smsf-estate-panning-issues-clarified-in-recent-binding-death-benefit-case/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2017/10/clarification.jpg</image:loc><image:title>I love clarification</image:title></image:image><lastmod>2019-08-08T00:49:27+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2017/11/01/guide-to-transfer-balance-account-reporting-tbar-for-smsf-trustees/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2017/11/gigo-2.jpg</image:loc><image:title>GIGO (2)</image:title></image:image><lastmod>2019-08-08T00:48:46+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2017/11/21/smsf-research-bitcoin-dollars-gold-what-is-the-future-of-money%ef%bb%bf/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2017/11/file-21-11-17-12-27-08-pm.jpeg</image:loc><image:title>File 21-11-17, 12 27 08 pm</image:title></image:image><lastmod>2019-08-08T00:47:55+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2017/11/24/vanguard-diversified-etfs-a-game-changer-for-smsf-portfolio-design/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2017/11/fs-power50_badge_2017-18.png</image:loc><image:title>FS-Power50_Badge_2017-18</image:title></image:image><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2017/11/new-etf.png</image:loc><image:title>new-etf</image:title></image:image><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2017/11/smsfaccounting_winner__smsf-and-accounting-professional-of-the-year-metropolitan.png</image:loc><image:title>SMSF&amp;ACCOUNTING_Winner__SMSF and Accounting Professional of the Year - Metropolitan</image:title></image:image><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2017/11/smsfaccounting_winner__smsf-adviser-excellence-award.png</image:loc><image:title>SMSF&amp;ACCOUNTING_Winner__SMSF Adviser Excellence Award</image:title></image:image><lastmod>2019-08-08T00:47:17+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2017/12/07/do-you-have-an-smsf-trust-deed-that-is-signed-and-dated/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2017/12/deed-mistakes-2.jpg</image:loc><image:title>Deed-mistakes (2)</image:title></image:image><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2017/12/deed-mistakes.jpg</image:loc><image:title>Deed-mistakes</image:title></image:image><lastmod>2019-08-08T00:46:34+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2018/01/18/introducing-our-new-financial-knowledge-centre-for-diy-research/</loc><lastmod>2019-08-08T00:46:01+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2018/01/23/smsf-corporate-trustee-structure-finally-outnumbering-individual-trustees/</loc><lastmod>2019-08-08T00:45:26+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2018/03/18/best-apolitical-analysis-of-franking-credit-refund-removal-debate/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2018/03/scott-phillips.jpeg</image:loc><image:title>Scott Phillips</image:title></image:image><lastmod>2019-08-08T00:43:10+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2018/04/10/10-tips-for-transitioning-in-to-retirement-in-australia/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2018/04/2263e52b-a504-4fbb-a1db-929fb66c2f86.png</image:loc><image:title>2263E52B-A504-4FBB-A1DB-929FB66C2F86</image:title></image:image><lastmod>2019-08-08T00:41:30+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2018/05/09/phew-scomo-delivers-an-smsf-friendly-2018-19-federal-budget/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2018/05/ae26e025-4f19-473a-b7a2-8789d09a5d78.png</image:loc><image:title>AE26E025-4F19-473A-B7A2-8789D09A5D78</image:title></image:image><lastmod>2019-08-08T00:40:54+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2018/05/21/who-will-mind-my-super-and-take-care-of-me-smsf-member-incapacity-and-estate-planning-checklist/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2018/05/whats-your-plan.jpg</image:loc><image:title>what's your plan?</image:title><image:caption>what's your plan handwritten on blackboard</image:caption></image:image><lastmod>2019-08-08T00:40:10+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2018/06/08/how-much-do-i-need-to-live-comfortably-in-retirement-2018-update/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2018/06/retirement-budget.png</image:loc><image:title>Retirement Budget</image:title><image:caption>Retirement Budget</image:caption></image:image><lastmod>2019-08-08T00:39:22+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2018/06/25/last-minute-smsf-superannuation-and-tax-strategies-before-30-june/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2018/06/last-minute-tips.jpg</image:loc><image:title>Last-Minute-Tips</image:title></image:image><lastmod>2019-08-08T00:38:43+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2018/08/14/have-you-contributed-over-your-superannuation-limit-here-is-what-happens-next/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2018/08/breaking-the-limits.jpg</image:loc><image:title>Breaking the limits</image:title></image:image><lastmod>2019-08-08T00:38:05+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2018/09/04/retail-property-armageddon-fear-versus-reality/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2018/08/armageddon.jpg</image:loc><image:title>Armageddon</image:title></image:image><lastmod>2019-08-08T00:37:32+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2018/09/26/who-will-be-affected-by-the-denial-of-cash-franking-credit-refunds/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2018/09/franking-cloud.png</image:loc><image:title>Franking cloud</image:title></image:image><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2018/09/alliance.png</image:loc><image:title>Alliance</image:title></image:image><lastmod>2019-08-08T00:36:20+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2019/01/23/time-to-step-up-and-be-heard-at-the-franking-credits-inquiry/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2019/01/franking.png</image:loc><image:title>Franking</image:title></image:image><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2019/01/thief.jpg</image:loc><image:title>thief</image:title></image:image><lastmod>2019-08-08T00:34:40+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2019/03/13/smsf-strategies-and-investment-expo-event-sydney/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2019/03/smsfa.jpg</image:loc><image:title>SMSFA</image:title></image:image><lastmod>2019-08-08T00:33:08+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2019/06/07/evans-dixon-us-masters-residential-property-fund-urf-under-scruitiny-warnings-were-given-3-years-ago/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2019/06/table-5.jpg</image:loc><image:title>Table 5</image:title></image:image><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2019/06/table-4.jpg</image:loc><image:title>Table 4</image:title></image:image><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2019/06/table-3.jpg</image:loc><image:title>Table 3</image:title></image:image><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2019/06/portfolio.jpg</image:loc><image:title>Portfolio</image:title></image:image><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2019/06/fees.jpg</image:loc><image:title>Fees</image:title></image:image><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2019/06/urf.jpg</image:loc><image:title>URF</image:title><image:caption>source AFR and Bloomberg</image:caption></image:image><lastmod>2019-08-08T00:31:34+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2019/04/02/superannuation-contribution-changes-for-those-nearing-retirement/</loc><lastmod>2019-04-02T01:55:00+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2014/10/03/smsf-using-an-unrelated-unit-trust-for-property-development/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2014/10/propert-development.jpg</image:loc><image:title>Propert Development</image:title></image:image><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2014/10/unrelated-unit-trust.jpg</image:loc><image:title>Unrelated Unit Trust</image:title></image:image><lastmod>2020-10-19T08:23:04+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2016/10/25/there-is-more-to-success-in-life-than-money/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2016/10/img_4124.png</image:loc><image:title>img_4124</image:title></image:image><lastmod>2016-10-25T00:52:46+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2014/11/13/smsf-coach-blog-helps-take-out-top-social-media-influencer-in-finance-award/</loc><lastmod>2014-11-13T11:48:05+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2014/06/19/woodside-selective-buyback-smsf-investors-overlooked/</loc><image:image><image:loc>https://smsfcoach.com.au/wp-content/uploads/2014/06/image1.jpg</image:loc><image:title>Plato - pension friendly</image:title></image:image><lastmod>2014-07-16T04:00:23+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2012/10/26/ato-backs-off-an-smsf-property-crunch-macrobusiness/</loc><lastmod>2013-06-08T05:08:26+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au/2012/08/17/funding-the-transfer-of-the-business-to-the-next-generation-myob-blog/</loc><lastmod>2013-03-28T22:01:24+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smsfcoach.com.au</loc><changefreq>daily</changefreq><priority>1.0</priority><lastmod>2026-03-13T02:33:30+00:00</lastmod></url></urlset>
