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    <lastmod>2019-10-17</lastmod>
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      <image:title>Welcome - Meet Jacquie</image:title>
      <image:caption>Jacquie and her husband Antony came to me in 2016. With a property in London and pensions 'stuck' in the UK, these two needed help. The big question was do they continue receiving rent from the UK or sell the UK property and pay-off their mortgage here? We are expert at advising on these types of financial matters.</image:caption>
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      <image:title>Welcome - Meet Malcolm</image:title>
      <image:caption>He is a 34 year old single dad with 2 dependant children. We have been advising him for just over 3 years. He has a super fund with a return of 10% per year, insurances to cover his life and income, and a 'low risk' share portfolio that will increase as his children grow. Malcolm needed to be shown how to create a secure financial future.</image:caption>
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      <image:title>Welcome - Investment</image:title>
      <image:caption>Portfolio construction and optimisaton.</image:caption>
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      <image:title>Welcome - Planning</image:title>
      <image:caption>Ideas and strategic planning for the future.</image:caption>
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      <image:title>Welcome - Superannuation</image:title>
      <image:caption>Cashflow modelling and wealth creation.</image:caption>
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      <image:title>Welcome - Insurance</image:title>
      <image:caption>Protect the most  important things in life.</image:caption>
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      <image:title>Welcome</image:title>
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      <image:title>Welcome</image:title>
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      <image:title>Welcome</image:title>
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  <url>
    <loc>https://www.altiuscapital.com.au/musings</loc>
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    <lastmod>2017-12-06</lastmod>
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  <url>
    <loc>https://www.altiuscapital.com.au/musings/2017/12/6/family-feud-who-do-they-survey</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-01-30</lastmod>
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      <image:title>Musings - Family Feud, who do they survey?</image:title>
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    <loc>https://www.altiuscapital.com.au/musings/category/Insurance</loc>
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    <loc>https://www.altiuscapital.com.au/musings/tag/Trauma+insurance</loc>
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    <loc>https://www.altiuscapital.com.au/musings/tag/Direct+Insurance</loc>
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    <loc>https://www.altiuscapital.com.au/blog</loc>
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    <lastmod>2015-10-22</lastmod>
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    <loc>https://www.altiuscapital.com.au/planning</loc>
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    <priority>0.75</priority>
    <lastmod>2018-01-30</lastmod>
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      <image:loc>https://static1.squarespace.com/static/599bc8f82994caf792a3b34b/t/59a625103e00be1a65ee7a33/1508207956247/Altius+Capital+orange</image:loc>
      <image:title>Wealth Creation West Perth - “People spend more time planning a BBQ than planning their estate matters’</image:title>
      <image:caption>Bruce Broadbent</image:caption>
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      <image:loc>https://static1.squarespace.com/static/599bc8f82994caf792a3b34b/t/59e49454d0e62813c2f92e0a/1508152953301/Planning.jpg</image:loc>
      <image:title>Wealth Creation West Perth</image:title>
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  <url>
    <loc>https://www.altiuscapital.com.au/insurance</loc>
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    <lastmod>2017-10-17</lastmod>
    <image:image>
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      <image:title>Income Protection and Life Insurance Advice - “If life were predictable it would cease to be life, and be without flavor.’’</image:title>
      <image:caption>Eleanor Roosevelt</image:caption>
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      <image:title>Income Protection and Life Insurance Advice</image:title>
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    <loc>https://www.altiuscapital.com.au/your-first-appointment</loc>
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    <lastmod>2018-01-30</lastmod>
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      <image:loc>https://static1.squarespace.com/static/599bc8f82994caf792a3b34b/t/599f9804e9bfdfb6ad1c9ece/1508208132867/Coloured_Panels_1200px_Yellow.jpg</image:loc>
      <image:title>Setting Financial Goals - “Insanity is doing the same thing, over and over again, but expecting different results.”</image:title>
      <image:caption>Narcotics Anonymous</image:caption>
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      <image:title>Setting Financial Goals</image:title>
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    <loc>https://www.altiuscapital.com.au/superannuation</loc>
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    <lastmod>2018-01-30</lastmod>
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      <image:title>Retirement Planning Perth - “The government made superannuation complex so those of us who have some idea of the rules, could appear intelligent’”</image:title>
      <image:caption>unknown financial adviser</image:caption>
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    <image:image>
      <image:loc>https://static1.squarespace.com/static/599bc8f82994caf792a3b34b/t/59e55f91692ebea7f58d47ea/1508205078470/Superannuation.jpg</image:loc>
      <image:title>Retirement Planning Perth</image:title>
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  <url>
    <loc>https://www.altiuscapital.com.au/contact</loc>
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    <lastmod>2019-02-11</lastmod>
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      <image:title>Contact</image:title>
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  <url>
    <loc>https://www.altiuscapital.com.au/about-us</loc>
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    <lastmod>2018-05-23</lastmod>
    <image:image>
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      <image:title>Expert Financial Planner - "For those of you who have spent long days 'down a hole’ you realise it is something you cannot be doing for more than 20 years."</image:title>
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    <image:image>
      <image:loc>https://static1.squarespace.com/static/599bc8f82994caf792a3b34b/t/59e49400aeb62524d1e95910/1508152902800/Awards_about_us.jpg</image:loc>
      <image:title>Expert Financial Planner</image:title>
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  <url>
    <loc>https://www.altiuscapital.com.au/investment</loc>
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    <lastmod>2017-10-27</lastmod>
    <image:image>
      <image:loc>https://static1.squarespace.com/static/599bc8f82994caf792a3b34b/t/59a6249b914e6b64ff86994f/1508207882894/Altius+Capital++yellow</image:loc>
      <image:title>Investment Advice - “Do not teach a donkey to dance.  It wastes your time and it infuriates the donkey’’</image:title>
      <image:caption>Mark Twain</image:caption>
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      <image:title>Investment Advice</image:title>
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  <url>
    <loc>https://www.altiuscapital.com.au/privacy-policy</loc>
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    <lastmod>2019-10-17</lastmod>
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  <url>
    <loc>https://www.altiuscapital.com.au/case-studies</loc>
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    <lastmod>2017-10-03</lastmod>
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      <image:title>Case studies - "Life is uncertain.  Eat dessert first"</image:title>
      <image:caption>Ernestine Ulmer</image:caption>
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  <url>
    <loc>https://www.altiuscapital.com.au/general-advice-disclaimer</loc>
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