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<lastmod>2026-06-24T14:24:59+00:00</lastmod>
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<loc>https://sbwm.uk/v3/briefing-note/covid-19-measures-march-2020/</loc>
<lastmod>2020-04-03T12:58:52+00:00</lastmod>
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<loc>https://sbwm.uk/v3/newsletter/heirs-could-inherit-up-to-1m-tax-free/</loc>
<lastmod>2020-07-28T15:53:07+00:00</lastmod>
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<loc>https://sbwm.uk/v3/newsletter/accumulated-runs-two-tricky-hundreds/</loc>
<lastmod>2020-07-28T16:05:40+00:00</lastmod>
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<loc>https://sbwm.uk/v3/newsletter/investment-trust-or-investment-fund/</loc>
<lastmod>2020-07-28T16:07:29+00:00</lastmod>
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<loc>https://sbwm.uk/v3/newsletter/calling-time-on-the-triple-lock/</loc>
<lastmod>2020-07-28T16:09:13+00:00</lastmod>
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<loc>https://sbwm.uk/v3/newsletter/an-alternative-tax/</loc>
<lastmod>2020-07-28T16:10:34+00:00</lastmod>
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<loc>https://sbwm.uk/v3/newsletter/bounce-back-quarter/</loc>
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<loc>https://sbwm.uk/v3/newsletter/saving-for-retirement/</loc>
<lastmod>2020-07-28T16:24:04+00:00</lastmod>
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<loc>https://sbwm.uk/v3/newsletter/a-budget-day-at-last/</loc>
<lastmod>2020-07-29T11:26:37+00:00</lastmod>
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<loc>https://sbwm.uk/v3/newsletter/last-call-for-2016-17-on-your-annual-allowance/</loc>
<lastmod>2020-07-29T11:26:44+00:00</lastmod>
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<loc>https://sbwm.uk/v3/newsletter/national-living-wage-set-to-outpace-new-state-pension/</loc>
<lastmod>2020-07-29T11:26:49+00:00</lastmod>
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<loc>https://sbwm.uk/v3/newsletter/look-back-in-curiosity-what-can-we-learn-from-the-2010s/</loc>
<lastmod>2020-07-29T11:27:14+00:00</lastmod>
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<loc>https://sbwm.uk/v3/newsletter/intestacy-rule-change-favours-spouses/</loc>
<lastmod>2020-07-29T11:27:20+00:00</lastmod>
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<loc>https://sbwm.uk/v3/newsletter/university-addressing-the-challenge-of-covering-costs/</loc>
<lastmod>2020-07-29T11:27:34+00:00</lastmod>
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<loc>https://sbwm.uk/v3/newsletter/new-government-new-tax-targets/</loc>
<lastmod>2020-07-29T11:27:55+00:00</lastmod>
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<loc>https://sbwm.uk/v3/newsletter/venture-capital-trusts-continue-to-attract-investors/</loc>
<lastmod>2020-07-29T11:28:06+00:00</lastmod>
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<loc>https://sbwm.uk/v3/newsletter/lisa-left-standing/</loc>
<lastmod>2020-07-29T11:28:11+00:00</lastmod>
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<loc>https://sbwm.uk/v3/newsletter/the-2019-investment-year/</loc>
<lastmod>2020-07-29T11:28:18+00:00</lastmod>
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<loc>https://sbwm.uk/v3/newsletter/keeping-on-track-for-your-retirement/</loc>
<lastmod>2020-10-02T12:30:46+00:00</lastmod>
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<loc>https://sbwm.uk/v3/newsletter/covid-19-the-ultimate-financial-stress-test/</loc>
<lastmod>2020-10-02T12:33:43+00:00</lastmod>
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<loc>https://sbwm.uk/v3/newsletter/global-dividends-fall-less-than-in-the-uk/</loc>
<lastmod>2020-10-02T12:35:05+00:00</lastmod>
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<loc>https://sbwm.uk/v3/newsletter/pensions-transfers-death-benefits-and-inheritance-tax/</loc>
<lastmod>2020-10-02T12:36:42+00:00</lastmod>
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<loc>https://sbwm.uk/v3/newsletter/us-market-storms-ahead/</loc>
<lastmod>2020-10-02T12:39:17+00:00</lastmod>
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<loc>https://sbwm.uk/v3/newsletter/who-pays-capital-gains-tax/</loc>
<lastmod>2020-10-02T12:42:40+00:00</lastmod>
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<loc>https://sbwm.uk/v3/newsletter/what-can-financial-planning-do-for-you/</loc>
<lastmod>2020-10-02T12:59:53+00:00</lastmod>
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<loc>https://sbwm.uk/v3/newsletter/national-savings-wields-the-axe/</loc>
<lastmod>2020-10-29T16:47:07+00:00</lastmod>
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<loc>https://sbwm.uk/v3/newsletter/triple-lock-survives-for-now/</loc>
<lastmod>2020-10-29T16:54:52+00:00</lastmod>
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<loc>https://sbwm.uk/v3/newsletter/another-autumn-budget-deferred/</loc>
<lastmod>2020-10-29T16:58:43+00:00</lastmod>
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<loc>https://sbwm.uk/v3/newsletter/market-update-a-quieter-quarter/</loc>
<lastmod>2020-10-29T17:01:11+00:00</lastmod>
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<loc>https://sbwm.uk/v3/newsletter/the-chancellors-winter-economy-plan/</loc>
<lastmod>2020-10-29T17:05:25+00:00</lastmod>
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<loc>https://sbwm.uk/v3/newsletter/company-cars-rolling-downhill/</loc>
<lastmod>2020-12-01T16:23:45+00:00</lastmod>
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<loc>https://sbwm.uk/v3/newsletter/can-you-afford-to-retire-if-youre-self-employed/</loc>
<lastmod>2020-12-01T16:29:17+00:00</lastmod>
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<loc>https://sbwm.uk/v3/newsletter/some-light-in-the-dividend-tunnel/</loc>
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<loc>https://sbwm.uk/v3/newsletter/making-the-most-of-isas/</loc>
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<loc>https://sbwm.uk/v3/newsletter/china-ever-larger-ever-changing/</loc>
<lastmod>2020-12-01T16:42:43+00:00</lastmod>
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<loc>https://sbwm.uk/v3/newsletter/covid-19-measures-5-january-2021-update/</loc>
<lastmod>2021-01-26T13:36:41+00:00</lastmod>
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<loc>https://sbwm.uk/v3/newsletter/taxing-wealth-a-viable-option/</loc>
<lastmod>2021-01-26T13:40:54+00:00</lastmod>
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<loc>https://sbwm.uk/v3/newsletter/new-rules-on-pension-drawdown-and-investment/</loc>
<lastmod>2021-01-26T13:42:53+00:00</lastmod>
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<loc>https://sbwm.uk/v3/newsletter/the-triple-lock-marches-on/</loc>
<lastmod>2021-01-26T13:45:15+00:00</lastmod>
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<loc>https://sbwm.uk/v3/newsletter/the-tax-year-end-approaches-as-filing-deadline-eased/</loc>
<lastmod>2021-01-26T15:03:53+00:00</lastmod>
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<loc>https://sbwm.uk/v3/newsletter/the-2020-investment-year-a-ride-to-remember/</loc>
<lastmod>2021-01-26T15:07:24+00:00</lastmod>
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<loc>https://sbwm.uk/v3/newsletter/child-trust-funds-come-of-age/</loc>
<lastmod>2021-02-23T17:05:35+00:00</lastmod>
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<loc>https://sbwm.uk/v3/newsletter/first-time-buyer-deposits-rise-after-covid-19-property-boom/</loc>
<lastmod>2021-02-23T17:15:50+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/newsletter/interest-rates-double-since-march-2020/</loc>
<lastmod>2021-02-23T17:17:55+00:00</lastmod>
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<loc>https://sbwm.uk/v3/newsletter/prepare-for-the-new-tax-year/</loc>
<lastmod>2021-02-23T17:20:36+00:00</lastmod>
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<loc>https://sbwm.uk/v3/newsletter/four-financial-lessons-from-the-covid-19-pandemic/</loc>
<lastmod>2021-02-23T17:25:45+00:00</lastmod>
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<loc>https://sbwm.uk/v3/newsletter/investment-planning-and-asset-allocation/</loc>
<lastmod>2021-02-23T17:55:08+00:00</lastmod>
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<loc>https://sbwm.uk/v3/newsletter/uk-dividends-a-bad-2020-but-a-better-2021/</loc>
<lastmod>2021-02-24T13:33:40+00:00</lastmod>
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<loc>https://sbwm.uk/v3/newsletter/cash-is-still-not-king/</loc>
<lastmod>2021-04-30T19:17:30+00:00</lastmod>
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<loc>https://sbwm.uk/v3/newsletter/tax-day-2021/</loc>
<lastmod>2021-04-30T19:25:59+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/newsletter/environmental-social-and-governance-esg/</loc>
<lastmod>2021-04-30T19:29:38+00:00</lastmod>
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<loc>https://sbwm.uk/v3/newsletter/should-you-incorporate/</loc>
<lastmod>2021-04-30T19:37:06+00:00</lastmod>
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<loc>https://sbwm.uk/v3/newsletter/global-dividends-in-2020/</loc>
<lastmod>2021-04-30T19:40:44+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/newsletter/the-twenty-year-iht-freeze/</loc>
<lastmod>2021-04-30T19:43:42+00:00</lastmod>
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<loc>https://sbwm.uk/v3/newsletter/financial-protection-for-you-and-your-family/</loc>
<lastmod>2021-04-30T19:51:41+00:00</lastmod>
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<loc>https://sbwm.uk/v3/newsletter/an-investment-sector-reshuffle/</loc>
<lastmod>2021-05-25T11:45:55+00:00</lastmod>
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<loc>https://sbwm.uk/v3/news/holidaymakers-urged-to-be-vigilant-from-scams-as-lockdown-restrictions-ease/</loc>
<lastmod>2021-05-25T11:52:36+00:00</lastmod>
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<loc>https://sbwm.uk/v3/news/lessons-from-london-capital-finance/</loc>
<lastmod>2021-05-25T11:55:10+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/news/are-isas-past-their-best-before-dates/</loc>
<lastmod>2021-05-25T12:11:34+00:00</lastmod>
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<loc>https://sbwm.uk/v3/news/retiring-in-2021-or-beyond/</loc>
<lastmod>2021-05-25T12:16:37+00:00</lastmod>
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<loc>https://sbwm.uk/v3/news/april-is-the-month-of-benefit-increases/</loc>
<lastmod>2021-05-25T12:19:39+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/news/preferences-and-their-trade-offs/</loc>
<lastmod>2021-08-26T16:06:51+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/news/no-room-for-giveaways-in-obr-risk-report/</loc>
<lastmod>2021-08-26T16:26:30+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/news/social-care-rises-up-the-agenda/</loc>
<lastmod>2021-08-26T16:29:04+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/news/national-savings-goes-green/</loc>
<lastmod>2021-08-26T16:57:24+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/news/hmrc-loses-on-child-benefit-tax/</loc>
<lastmod>2021-08-26T16:59:58+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/news/pension-lifetime-allowance-cuts-on-the-horizon/</loc>
<lastmod>2021-08-26T17:14:48+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/news/if-and-then-but/</loc>
<lastmod>2021-10-26T17:29:49+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/news/criminals-target-the-elderly/</loc>
<lastmod>2021-10-26T17:30:22+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/news/are-you-holding-too-much-cash/</loc>
<lastmod>2021-10-26T17:30:35+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/news/reconsidering-your-pension-contributions/</loc>
<lastmod>2021-10-26T19:33:17+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/news/are-your-young-adults-missing-out-on-their-child-trust-fund/</loc>
<lastmod>2021-10-26T19:36:13+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/news/the-september-mini-budget/</loc>
<lastmod>2021-10-26T19:38:32+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/news/paying-for-englands-social-care-reforms/</loc>
<lastmod>2021-10-26T19:41:07+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/news/saving-for-retirement-2/</loc>
<lastmod>2021-10-29T19:13:23+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/news/ruff-time-for-animal-lovers-as-scale-of-pandemic-pet-fraud-unleashed-by-action-fraud/</loc>
<lastmod>2021-11-03T10:31:41+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/newsletter/warning-national-insurance-scam-leads-to-surge-in-calls-to-action-fraud/</loc>
<lastmod>2021-11-03T10:33:45+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/newsletter/attack-of-the-clone-firms-over-78-million-stolen-in-clone-firm-investment-scams/</loc>
<lastmod>2021-11-03T10:35:03+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/newsletter/coronavirus-vaccine-scams-warning/</loc>
<lastmod>2021-11-03T10:36:11+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/newsletter/fake-paypal-emails-lead-to-nearly-8-million-in-losses-this-year/</loc>
<lastmod>2021-11-03T10:37:35+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/newsletter/hmrc-urges-universities-to-warn-new-students-of-tax-scams-danger/</loc>
<lastmod>2021-11-03T10:38:37+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/newsletter/over-16-million-lost-to-online-shopping-fraud-during-lockdown/</loc>
<lastmod>2021-11-03T10:40:23+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/newsletter/the-amazon-prime-scam-that-has-cost-victims-over-1m/</loc>
<lastmod>2021-11-03T10:42:09+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/newsletter/life-expectancy-shortens-or-does-it/</loc>
<lastmod>2021-11-03T10:42:59+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/newsletter/dont-let-a-scammer-enjoy-your-retirement-2/</loc>
<lastmod>2021-11-03T10:44:04+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/news/swipe-left-to-romance-fraud/</loc>
<lastmod>2022-01-27T15:04:39+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/news/new-covid-19-business-support-package/</loc>
<lastmod>2022-01-27T15:21:28+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/news/focus-on-tax-year-end-planning/</loc>
<lastmod>2022-01-27T15:26:01+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/news/the-pension-annual-allowance-trap/</loc>
<lastmod>2022-01-27T15:29:17+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/news/uncertainties-removed-on-two-key-personal-taxes/</loc>
<lastmod>2022-01-27T15:38:19+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/news/2021-investment-wrap-up/</loc>
<lastmod>2022-01-27T15:43:46+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/news/lessons-from-rising-inflation-and-interest-rates/</loc>
<lastmod>2022-01-27T15:50:21+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/news/the-quirky-maths-of-investing/</loc>
<lastmod>2022-05-07T12:34:09+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/news/ticket-to-nowhere-dont-let-ticket-fraudsters-take-off-with-your-cash/</loc>
<lastmod>2022-05-07T12:37:27+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/news/looking-after-your-pennies/</loc>
<lastmod>2022-05-07T12:52:12+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/news/2022-an-unexpected-first-quarter/</loc>
<lastmod>2022-05-07T12:55:11+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/news/the-price-of-surging-inflation/</loc>
<lastmod>2022-05-07T12:57:37+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/news/confused-by-new-nics-changes/</loc>
<lastmod>2022-05-07T12:57:58+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/news/making-the-most-of-isas-2/</loc>
<lastmod>2022-05-07T13:11:31+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/news/can-the-child-benefit-charge-be-fixed/</loc>
<lastmod>2022-05-10T11:57:07+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/newsletter/new-warning-issued-as-reports-of-holiday-fraud-skyrockets-by-more-than-120/</loc>
<lastmod>2022-07-25T15:54:37+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/news/a-game-of-two-halves-2022s-rollercoaster-for-investors/</loc>
<lastmod>2022-07-25T15:58:25+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/newsletter/the-impact-of-raising-the-state-pension-age/</loc>
<lastmod>2022-07-25T16:00:47+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/newsletter/flaming-june-sees-interest-rates-flare/</loc>
<lastmod>2022-07-25T16:02:37+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/newsletter/isas-withering-on-the-vine/</loc>
<lastmod>2022-07-25T16:04:47+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/newsletter/60-income-tax-reappears/</loc>
<lastmod>2022-07-25T16:12:05+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/news/warning-as-criminals-exploit-cost-of-living-crisis-to-target-the-public-with-energy-rebate-scams/</loc>
<lastmod>2022-10-31T15:26:55+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/news/sandwich-generation-time-to-put-yourself-first/</loc>
<lastmod>2022-10-31T15:29:49+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/news/three-financial-lessons-from-the-covid-19-pandemic/</loc>
<lastmod>2022-10-31T15:31:56+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/news/the-fight-against-rising-inflation/</loc>
<lastmod>2022-10-31T15:36:53+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/news/over-65s-set-new-employment-record/</loc>
<lastmod>2022-10-31T15:38:44+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/news/are-you-retirement-confident/</loc>
<lastmod>2022-10-31T15:40:55+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/news/a-dramatic-ending-to-q3/</loc>
<lastmod>2022-11-01T11:26:17+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/news/protect-yourself-from-fraud-and-cybercrime/</loc>
<lastmod>2023-02-10T12:48:32+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/news/premium-bonds-rate-cut-and-prize-boost/</loc>
<lastmod>2023-02-10T12:54:30+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/news/2023-inflation-forecast-the-only-way-is-down/</loc>
<lastmod>2023-02-10T12:57:20+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/news/company-cars-not-so-free-fuel/</loc>
<lastmod>2023-02-10T12:59:11+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/news/into-the-ice-age-the-diminishing-personal-allowance/</loc>
<lastmod>2023-02-10T13:02:28+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/news/2022-investment-wrap-up/</loc>
<lastmod>2023-02-10T13:10:06+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/news/estate-planning/</loc>
<lastmod>2023-02-10T13:39:09+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/news/caught-by-the-additional-tax-rate-taper-trap/</loc>
<lastmod>2023-02-10T14:10:07+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/news/warning-issued-to-whatsapp-users-over-account-takeover-scam/</loc>
<lastmod>2023-05-16T14:51:51+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/news/minding-the-gap-nics-top-up-deadline-extended/</loc>
<lastmod>2023-05-16T14:55:10+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/news/global-dividends-back-on-trend/</loc>
<lastmod>2023-05-16T14:55:26+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/news/automatic-enrolment-and-pension-contribution-reforms/</loc>
<lastmod>2023-05-16T14:55:40+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/news/a-trio-of-budget-measures-for-childcare/</loc>
<lastmod>2023-05-16T14:56:02+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/news/the-budget-surprise-changes-to-the-pension-tax-rules/</loc>
<lastmod>2023-05-16T15:10:04+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/news/the-inflation-puzzle-of-2022/</loc>
<lastmod>2023-05-16T15:14:16+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/news/what-can-financial-planning-do-for-you-2/</loc>
<lastmod>2023-05-16T18:19:51+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/news/fallen-victim-to-holiday-fraud/</loc>
<lastmod>2023-07-19T12:27:04+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/news/over-50-re-joining-the-workforce-prioritise-your-pension/</loc>
<lastmod>2023-07-19T12:31:26+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/news/planning-for-your-best-retirement/</loc>
<lastmod>2023-07-19T12:34:14+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/news/the-ofgem-price-cap-returns/</loc>
<lastmod>2023-07-19T12:39:17+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/news/the-fcas-unusual-warning-on-trusts/</loc>
<lastmod>2023-07-19T12:43:48+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/news/more-action-to-counter-fraud/</loc>
<lastmod>2023-07-19T12:46:36+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/news/will-you-be-fuelling-the-inheritance-tax-bonanza/</loc>
<lastmod>2023-07-19T12:52:51+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/news/iht-hits-the-mainstream/</loc>
<lastmod>2023-11-02T14:49:49+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/news/a-spring-budget-cycle-will-resume-shortly/</loc>
<lastmod>2023-11-02T14:52:22+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/news/savings-rates-dont-be-caught-in-the-numbers-net/</loc>
<lastmod>2023-11-02T17:06:16+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/news/an-uncertain-future-for-the-triple-lock/</loc>
<lastmod>2023-11-02T17:08:53+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/news/the-case-for-increasing-pension-contributions/</loc>
<lastmod>2023-11-02T17:11:37+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/news/intestacy-limit-breach-delays-uplift/</loc>
<lastmod>2023-11-02T17:13:36+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/news/fraudsters-impersonate-nca-officers-in-child-pornography-scam-emails/</loc>
<lastmod>2024-02-01T13:36:45+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/news/fire-financial-independence-retire-early/</loc>
<lastmod>2024-02-01T13:38:31+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/news/the-national-insurance-tax-cut/</loc>
<lastmod>2024-02-01T13:42:20+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/news/the-regulator-goes-after-greenwashing/</loc>
<lastmod>2024-02-01T13:44:56+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/news/time-for-tax-year-end-planning/</loc>
<lastmod>2024-02-01T13:49:25+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/news/the-widening-gap-national-minimum-wage-vs-new-state-pension/</loc>
<lastmod>2024-02-01T13:57:38+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/news/a-revamp-for-individual-savings-accounts/</loc>
<lastmod>2024-02-01T14:06:06+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/newsletter/secure-your-email-and-social-media-accounts/</loc>
<lastmod>2024-05-09T10:28:28+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/newsletter/how-much-does-retirement-cost/</loc>
<lastmod>2024-05-09T10:32:50+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/newsletter/demographics-shift-to-minority-married/</loc>
<lastmod>2024-05-09T10:35:23+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/newsletter/the-child-benefit-tax-rule-changes/</loc>
<lastmod>2024-05-09T10:37:50+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/newsletter/out-goes-hand-sanitiser-in-comes-vinyl/</loc>
<lastmod>2024-05-09T10:40:43+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/newsletter/the-uk-isa-slides-into-view/</loc>
<lastmod>2024-05-09T10:43:19+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/newsletter/the-march-of-the-higher-rate-taxpayer/</loc>
<lastmod>2024-05-09T10:45:04+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/newsletter/born-after-1978-keep-an-eye-on-state-pension-age/</loc>
<lastmod>2024-05-09T10:48:17+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/newsletter/living-the-retirement-dream/</loc>
<lastmod>2024-08-02T10:13:48+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/newsletter/inflations-stubborn-cumulative-effect/</loc>
<lastmod>2024-08-02T10:15:44+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/newsletter/not-in-the-nic-of-time/</loc>
<lastmod>2024-08-02T10:17:33+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/newsletter/take-a-deep-breath-in-a-year-of-elections/</loc>
<lastmod>2024-08-02T10:18:48+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/newsletter/greenwashing-clampdown-on-investment-funds/</loc>
<lastmod>2024-08-02T10:20:20+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/newsletter/heading-down-on-interest-rates/</loc>
<lastmod>2024-08-02T10:21:34+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/newsletter/light-my-fire-could-you-really-retire-early/</loc>
<lastmod>2024-08-02T10:22:41+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/newsletter/from-victory-to-budget-labours-first-100-days/</loc>
<lastmod>2024-08-02T10:24:26+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/news/saving-for-retirement-2-2/</loc>
<lastmod>2024-08-02T10:28:34+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/news/action-fraud-stay-safe-online-after-1-4-million-lost-from-email-and-social-media-account-hacking-in-the-last-year/</loc>
<lastmod>2024-10-23T16:00:39+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/news/help-your-favourite-charity-and-save-tax/</loc>
<lastmod>2024-10-23T16:03:32+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/news/an-update-on-cash-savings/</loc>
<lastmod>2024-10-23T16:05:51+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/news/pension-crisis-reaches-china/</loc>
<lastmod>2024-10-23T16:08:03+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/news/the-2025-state-pension-increase/</loc>
<lastmod>2024-10-23T16:09:51+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/news/how-to-raise-10000000000/</loc>
<lastmod>2024-10-23T16:12:01+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/news/the-cryptic-arm-of-the-taxman/</loc>
<lastmod>2024-10-23T16:13:57+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/newsletter/financial-protection-for-you-and-your-family-2/</loc>
<lastmod>2024-10-23T16:18:59+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/news/fraudsters-target-booking-com-users-with-scam-emails/</loc>
<lastmod>2025-02-06T17:43:34+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/news/pensions-and-iht-beware-april-2027/</loc>
<lastmod>2025-02-06T17:48:15+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/news/student-fees-to-rise-in-england-in-2025/</loc>
<lastmod>2025-02-06T17:50:00+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/news/2024-a-year-of-growth-for-investments/</loc>
<lastmod>2025-02-06T17:56:58+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/news/from-new-year-to-year-end-keeping-a-tax-planning-resolution/</loc>
<lastmod>2025-02-06T18:00:03+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/news/national-savings-investments-and-cuts/</loc>
<lastmod>2025-02-06T18:01:47+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/news/inheritance-tax-revisited/</loc>
<lastmod>2025-02-06T18:13:31+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/news/attitudes-to-retirement/</loc>
<lastmod>2025-02-06T18:15:36+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/news/making-the-most-of-isas-2-2/</loc>
<lastmod>2025-02-06T18:18:48+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/newsletter/protect-your-online-accounts-from-hackers-and-enable-2sv/</loc>
<lastmod>2025-05-07T15:43:51+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/newsletter/tax-year-beginning-planning/</loc>
<lastmod>2025-05-07T15:47:24+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/newsletter/what-if-the-gift-of-being-organised/</loc>
<lastmod>2025-05-07T15:49:20+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/newsletter/will-your-next-company-car-be-a-plug-in-hybrid/</loc>
<lastmod>2025-05-07T15:50:43+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/newsletter/pensions-and-inheritance-tax/</loc>
<lastmod>2025-05-07T15:52:27+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/newsletter/unloved-lisa/</loc>
<lastmod>2025-05-07T15:57:11+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/newsletter/we-are-all-mortal/</loc>
<lastmod>2025-05-07T15:58:39+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/newsletter/spring-statement-the-magic-of-9-9-billion/</loc>
<lastmod>2025-05-07T16:00:39+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/news/pension-tax-planning-for-high-earners-2-2/</loc>
<lastmod>2025-05-07T16:06:04+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/news/new-quishing-alert-3-5-million-lost-last-year-to-fraudulent-qr-codes-2/</loc>
<lastmod>2025-08-01T15:21:46+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/news/will-simple-assessment-take-you-by-surprise/</loc>
<lastmod>2025-08-01T15:24:18+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/news/who-is-making-your-pension-investment-decisions/</loc>
<lastmod>2025-08-01T15:27:29+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/news/you-may-have-missed-adult-social-care-review-slips-under-the-radar/</loc>
<lastmod>2025-08-01T15:30:04+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/news/will-reform-proposals-time-to-revise-victorian-rules/</loc>
<lastmod>2025-08-01T15:33:02+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/news/the-return-of-the-winter-fuel-payment/</loc>
<lastmod>2025-08-01T15:34:54+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/news/another-parliament-another-pension-schemes-bill/</loc>
<lastmod>2025-08-01T15:37:16+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/news/how-much-retirement-income-do-you-need/</loc>
<lastmod>2025-08-01T15:39:54+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/news/a-strangely-timed-report-on-attitudes-to-salary-sacrifice/</loc>
<lastmod>2025-08-01T15:46:59+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/newsletter/investing-tax-efficiently/</loc>
<lastmod>2025-08-01T15:50:16+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/news/warning-to-protectyourpension-with-roughly-48000-lost-to-pension-fraud-every-day-last-year/</loc>
<lastmod>2025-10-22T12:22:58+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/news/lacking-confidenceon-later-life-planning/</loc>
<lastmod>2025-10-22T12:26:45+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/news/inheritance-tax-andpensions-the-follow-up/</loc>
<lastmod>2025-10-22T12:28:38+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/news/the-return-of-the-pension-commission-whats-next/</loc>
<lastmod>2025-10-22T12:30:30+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/news/company-car-popularity-rises/</loc>
<lastmod>2025-10-22T12:32:24+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/news/how-prepared-are-you-for-retirement/</loc>
<lastmod>2025-10-22T12:35:37+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/news/putting-off-the-personal-allowance-vs-state-pension-problem/</loc>
<lastmod>2025-10-22T12:37:52+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/news/shining-a-light-on-gilts/</loc>
<lastmod>2025-10-22T12:39:44+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/news/to-draw-or-not-to-draw-taking-cash-out-of-your-pension/</loc>
<lastmod>2025-10-22T12:41:18+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/news/the-stamp-duty-tangle-a-useful-lesson/</loc>
<lastmod>2025-10-22T12:42:40+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/news/taxation-of-property/</loc>
<lastmod>2025-10-22T12:45:43+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/news/tuition-fees-head-to-10000/</loc>
<lastmod>2026-01-27T15:14:54+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/news/the-retirement-age-gap-and-other-paradoxes/</loc>
<lastmod>2026-01-27T15:27:49+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/news/unclaimed-child-trust-funds-value-soars/</loc>
<lastmod>2026-01-27T15:31:10+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/news/a-long-freeze-can-lead-to-slip-ups/</loc>
<lastmod>2026-01-27T15:36:03+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/uncategorized/be-prepared-for-pension-salary-sacrifice-reform/</loc>
<lastmod>2026-01-27T15:44:06+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/news/important-changes-to-agricultural-and-business-iht-reliefs/</loc>
<lastmod>2026-01-27T15:46:20+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/news/isas-shake-up-on-the-horizon/</loc>
<lastmod>2026-01-27T15:49:49+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/newsletter/taking-income-at-retirement/</loc>
<lastmod>2026-01-27T16:42:02+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/news/and-now-for-the-next-new-year/</loc>
<lastmod>2026-01-29T14:33:02+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/news/crypto-funds-creep-into-isas/</loc>
<lastmod>2026-02-02T17:37:17+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/newsletter/its-not-just-how-long-you-live/</loc>
<lastmod>2026-04-23T18:36:45+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/newsletter/12-years-later-annuities-are-back/</loc>
<lastmod>2026-04-23T18:39:07+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/newsletter/the-case-of-the-missing-pension-tax-relief/</loc>
<lastmod>2026-04-23T18:40:53+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/newsletter/aprils-tax-and-pension-changes/</loc>
<lastmod>2026-04-23T18:42:47+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/newsletter/inheritance-tax-and-pensions-changes-hit-lords-scrutiny/</loc>
<lastmod>2026-04-23T18:44:45+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/newsletter/are-todays-mid-lifers-facing-a-future-retirement-crisis/</loc>
<lastmod>2026-04-23T18:46:56+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/newsletter/state-pension-age-hits-the-67-threshold/</loc>
<lastmod>2026-04-23T18:48:27+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/newsletter/house-prices-versus-inflation/</loc>
<lastmod>2026-04-23T18:49:29+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/newsletter/weighing-up-the-incentives-and-disincentives-of-your-tax-bill/</loc>
<lastmod>2026-04-23T18:51:29+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/newsletter/a-noisy-first-quarter-but-what-are-the-results/</loc>
<lastmod>2026-04-23T18:56:09+00:00</lastmod>
</url>			<url>
<loc>https://sbwm.uk/v3/news/investing-for-children-2/</loc>
<lastmod>2026-04-23T19:01:40+00:00</lastmod>
</url>	</urlset>