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      <image:caption>Source: Capital Group. Note: These scenarios include hypothetical situations in which Congress is either majority Republican or split. Our goal is to offer possibilities, not specify a magnitude of change. Fed Funds = U.S. federal funds rates. USD = U.S. dollar valued against a basket of currencies.</image:caption>
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    <lastmod>2024-04-05</lastmod>
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      <image:caption>Figure 4 Staying Invested: Market Downturns and Inflation (Russell Investment, 2023).</image:caption>
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      <image:caption>Source: Financial Times</image:caption>
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      <image:title>News - ATO Taxation Statistics - Make it stand out</image:title>
      <image:caption>In 2021 at least 2.2 million Australians had ownership of at least one rental property and 20,000 Australians owned 6 or more rental properties.  In the graph above, the purple line indicates that net income received from rental properties increased significantly, which is generally a sign of higher rental rates being charged to tenants and lower interest costs. Something to keep an eye on in the future is the composition of this graph and table, as interest rates have increased significantly in the years following this data. If you are wanting to understand the impact of interest rate increases as it relates to your tax outcome, or understand if your rental property is still the right investment for you, please contact Salt to speak to one of our advisers.</image:caption>
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      <image:caption>Source: https://www.schroders.com/en-au/au/individual/insights/the-data-that-shows-a-case-for-long-term-investing/</image:caption>
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      <image:caption>Note: The fees are similar for setup and the first year, though the longer-term is where an SMSF may be more cost-effective than standard retail funds.</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/57fac7ee9f7456d89b1b9cad/1578623655648-WB5Y9ZWC0JLIP0WHGBRD/Screen+Shot+2020-01-09+at+9.33.43+PM.png</image:loc>
      <image:title>News - DECEMBER MARKET UPDATE</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57fac7ee9f7456d89b1b9cad/1578623739767-20A6VWMJP7T2M59UOQ43/Screen+Shot+2020-01-09+at+9.34.59+PM.png</image:loc>
      <image:title>News - DECEMBER MARKET UPDATE</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57fac7ee9f7456d89b1b9cad/1578624213279-9A6LKG48CAJ54QKYTH9A/Screen+Shot+2020-01-09+at+9.42.02+PM.png</image:loc>
      <image:title>News - DECEMBER MARKET UPDATE</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.saltfinancialgroup.com.au/news/2019/12/18/will-i-qualify-for-the-age-pension</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2019-12-19</lastmod>
  </url>
  <url>
    <loc>https://www.saltfinancialgroup.com.au/news/2019/12/18/smsf-sole-purpose-test-and-fractional-investments</loc>
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    <lastmod>2019-12-19</lastmod>
  </url>
  <url>
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    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2019-12-18</lastmod>
  </url>
  <url>
    <loc>https://www.saltfinancialgroup.com.au/news/2019/11/26/health-insurance-and-your-tax-uncovered</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2019-11-27</lastmod>
    <image:image>
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      <image:title>News - HEALTH INSURANCE AND YOUR TAX: UNCOVERED</image:title>
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  </url>
  <url>
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    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2019-11-27</lastmod>
  </url>
  <url>
    <loc>https://www.saltfinancialgroup.com.au/news/2019/11/26/vacant-land-major-building-defects-exception</loc>
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    <lastmod>2019-11-27</lastmod>
  </url>
  <url>
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    <changefreq>monthly</changefreq>
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    <lastmod>2019-11-27</lastmod>
  </url>
  <url>
    <loc>https://www.saltfinancialgroup.com.au/news/2019/11/15/australias-three-pillar-retirement-income-system</loc>
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    <lastmod>2019-11-15</lastmod>
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  <url>
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    <lastmod>2019-11-15</lastmod>
  </url>
  <url>
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    <changefreq>monthly</changefreq>
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    <lastmod>2019-11-15</lastmod>
  </url>
  <url>
    <loc>https://www.saltfinancialgroup.com.au/news/2019/11/14/beware-of-insurance-changes-in-superannuation</loc>
    <changefreq>monthly</changefreq>
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    <lastmod>2019-11-15</lastmod>
  </url>
  <url>
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    <priority>0.5</priority>
    <lastmod>2019-11-15</lastmod>
  </url>
  <url>
    <loc>https://www.saltfinancialgroup.com.au/news/2019/11/4/october-report</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2019-11-04</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57fac7ee9f7456d89b1b9cad/1572905979329-S7SNQL67P37OKDMVCSUT/Screen+Shot+2019-11-04+at+5.19.23+PM.png</image:loc>
      <image:title>News - OCTOBER REPORT</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57fac7ee9f7456d89b1b9cad/1572906393855-BPJEVLIHCM1N2CGC3B8R/Screen+Shot+2019-11-04+at+5.22.50+PM.png</image:loc>
      <image:title>News - OCTOBER REPORT</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57fac7ee9f7456d89b1b9cad/1572906102439-ZXW80JM5Z7KU3EDQ4QCN/Screen+Shot+2019-11-04+at+5.21.28+PM.png</image:loc>
      <image:title>News - OCTOBER REPORT</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57fac7ee9f7456d89b1b9cad/1572906285438-P67YY8THBXLS70O2W2PU/Screen+Shot+2019-11-04+at+5.24.32+PM.png</image:loc>
      <image:title>News - OCTOBER REPORT</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57fac7ee9f7456d89b1b9cad/1572906702804-WD8ZX1XSFNKTCPMMUKLU/Screen+Shot+2019-11-04+at+5.31.21+PM.png</image:loc>
      <image:title>News - OCTOBER REPORT</image:title>
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  <url>
    <loc>https://www.saltfinancialgroup.com.au/news/2019/10/31/selling-shares-how-does-tax-apply</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2019-11-01</lastmod>
  </url>
  <url>
    <loc>https://www.saltfinancialgroup.com.au/news/2019/10/31/closing-the-tax-gap-ato-focus-on-individual-returns</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2019-11-01</lastmod>
  </url>
  <url>
    <loc>https://www.saltfinancialgroup.com.au/news/2019/10/31/retirees-and-the-commonwealth-seniors-health-card</loc>
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    <priority>0.5</priority>
    <lastmod>2019-11-01</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57fac7ee9f7456d89b1b9cad/1572569764997-QBNL3MQQY3DSVYZJB5VU/Screen+Shot+2019-10-31+at+8.55.23+PM.png</image:loc>
      <image:title>News - RETIREES AND THE COMMONWEALTH SENIORS HEALTH CARD</image:title>
      <image:caption>Please note: There is a non-income tested CSHC. This was issued to those that lost their pension entitlements on 1 January 2017 due to the changes that occurred regarding the pension assets test.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.saltfinancialgroup.com.au/news/2019/10/31/reverse-mortgages-the-pension-loans-scheme</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2019-11-01</lastmod>
  </url>
  <url>
    <loc>https://www.saltfinancialgroup.com.au/news/2019/10/18/ato-focusing-on-investment-strategy-diversification-requirements-what-do-trustees-and-auditors-need-to-do</loc>
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    <priority>0.5</priority>
    <lastmod>2019-10-18</lastmod>
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  <url>
    <loc>https://www.saltfinancialgroup.com.au/news/2019/10/18/1-april-2020-protecting-your-super-package-20</loc>
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    <priority>0.5</priority>
    <lastmod>2019-10-18</lastmod>
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  <url>
    <loc>https://www.saltfinancialgroup.com.au/news/2019/10/18/the-top-10-facts-about-account-based-income-streams</loc>
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    <priority>0.5</priority>
    <lastmod>2019-10-18</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57fac7ee9f7456d89b1b9cad/1571374923243-V4M2PM10YIDXLW1OJO8F/Screen+Shot+2019-10-17+at+10.01.28+PM.png</image:loc>
      <image:title>News - THE TOP 10 FACTS ABOUT ACCOUNT BASED INCOME STREAMS</image:title>
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    <image:image>
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      <image:title>News - THE TOP 10 FACTS ABOUT ACCOUNT BASED INCOME STREAMS</image:title>
      <image:caption>Please note: Lump sum withdrawals don’t count towards this minimal annual income payment amount.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.saltfinancialgroup.com.au/news/2019/10/18/westpac-and-anz-break-silence-with-partial-rate-cut</loc>
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    <lastmod>2019-10-18</lastmod>
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  <url>
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    <priority>0.5</priority>
    <lastmod>2019-10-03</lastmod>
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  <url>
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    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
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    <image:image>
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      <image:title>News - INTEREST RATES: BORROWERS, SAVERS AND INVESTORS (RETIREES)</image:title>
      <image:caption>*An average of the major financial institutions’ lending rates offered. #RBA. (2019). Interest rates: Lending rates. Statistical tables.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57fac7ee9f7456d89b1b9cad/1570092208926-29QHMHHT1WTSPXTWDIVR/GRAPH-2.jpg</image:loc>
      <image:title>News - INTEREST RATES: BORROWERS, SAVERS AND INVESTORS (RETIREES)</image:title>
      <image:caption>*An average of the major financial institutions’ deposit and investment rates offered. ^Deposit accounts that pay a higher rate of interest if at least one deposit and no withdrawals are made each month. #RBA. (2019). Interest rates: Retail deposit and investment rates. Statistical tables.</image:caption>
    </image:image>
  </url>
  <url>
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    <lastmod>2019-10-03</lastmod>
  </url>
  <url>
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    <lastmod>2019-10-04</lastmod>
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    <lastmod>2019-09-20</lastmod>
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    <lastmod>2019-09-20</lastmod>
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      <image:title>News - AUGUST MONTHLY COMMENTARY</image:title>
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      <image:title>News - AUGUST MONTHLY COMMENTARY</image:title>
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  </url>
  <url>
    <loc>https://www.saltfinancialgroup.com.au/news/2019/9/20/ke5ptyv2fm05i6jy17gpw7v567gzyq</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2019-09-20</lastmod>
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      <image:title>News - RETIREMENT AND CHANGES TO THE AGE PENSION DEEMING RATES</image:title>
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      <image:title>News - RETIREMENT AND CHANGES TO THE AGE PENSION DEEMING RATES</image:title>
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      <image:title>News - RETIREMENT AND CHANGES TO THE AGE PENSION DEEMING RATES</image:title>
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  </url>
  <url>
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    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2019-09-20</lastmod>
  </url>
  <url>
    <loc>https://www.saltfinancialgroup.com.au/news/2019/9/5/insurance-in-super-the-impact-of-proposed-changes</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2019-09-05</lastmod>
  </url>
  <url>
    <loc>https://www.saltfinancialgroup.com.au/news/2019/9/5/capital-gains-tax-and-death-its-not-the-end-of-the-world</loc>
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    <lastmod>2019-09-05</lastmod>
  </url>
  <url>
    <loc>https://www.saltfinancialgroup.com.au/news/2019/9/5/super-review-checklist-your-annual-super-statement</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2019-09-05</lastmod>
    <image:image>
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      <image:title>News - SUPER REVIEW CHECKLIST: YOUR ANNUAL SUPER STATEMENT</image:title>
      <image:caption>*ASFA. (2017). Superannuation account balances by age and gender.</image:caption>
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  </url>
  <url>
    <loc>https://www.saltfinancialgroup.com.au/news/2019/9/5/the-atos-top-four-mistakes-to-avoid-this-tax-time</loc>
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    <lastmod>2019-09-05</lastmod>
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  <url>
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  </url>
  <url>
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    <changefreq>monthly</changefreq>
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    <lastmod>2019-08-22</lastmod>
  </url>
  <url>
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    <lastmod>2019-08-22</lastmod>
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  <url>
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    <lastmod>2019-08-22</lastmod>
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  <url>
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    <lastmod>2019-08-08</lastmod>
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  <url>
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    <lastmod>2019-08-08</lastmod>
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  <url>
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    <lastmod>2019-08-08</lastmod>
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  <url>
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    <lastmod>2019-07-24</lastmod>
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  <url>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/57fac7ee9f7456d89b1b9cad/1531183145037-VXRBY2GB8B59VZKL3NJB/Salt_Financial_8540.jpg</image:loc>
      <image:title>Financial Advice</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.saltfinancialgroup.com.au/blog</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-08-29</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57fac7ee9f7456d89b1b9cad/1526940874380-BFE31Q2SOQNNZ547AJ0X/salt+financial+group+news+and+thinking.jpg</image:loc>
      <image:title>News</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.saltfinancialgroup.com.au/my-prosperity</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2024-08-02</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57fac7ee9f7456d89b1b9cad/1550540090131-V9QIORXAQ6UFKPBVGKIP/Screenshot_1.jpg</image:loc>
      <image:title>My Prosperity</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.saltfinancialgroup.com.au/organisations-we-support</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-08-29</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57fac7ee9f7456d89b1b9cad/1724109407450-QEUOWZAK4YNBE36YPI6I/Salt_Financial_Nov23_27740.jpg</image:loc>
      <image:title>Organisations We Support</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57fac7ee9f7456d89b1b9cad/1587598849797-XAGJXAT72XQZL9YIIM5P/31631e31c885c34615a0db76f0abf889.png</image:loc>
      <image:title>Organisations We Support</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57fac7ee9f7456d89b1b9cad/2ebfb957-ebe3-46dd-974f-7af2705fda8c/SKOB+Logo.jpg</image:loc>
      <image:title>Organisations We Support</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57fac7ee9f7456d89b1b9cad/fb5bb182-8ae9-4c0c-8b64-fbfb580cd88a/CCBC+Logo.jpg</image:loc>
      <image:title>Organisations We Support</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.saltfinancialgroup.com.au/policies</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-07-16</lastmod>
  </url>
  <url>
    <loc>https://www.saltfinancialgroup.com.au/careers</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2026-03-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57fac7ee9f7456d89b1b9cad/1737592311744-GMDH9GIKE39IRBHN8JR3/scott-graham-5fNmWej4tAA-unsplash.jpg</image:loc>
      <image:title>Careers</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57fac7ee9f7456d89b1b9cad/fc656547-41ca-479a-b523-bbe35f7f82cf/scott-graham-5fNmWej4tAA-unsplash.jpg</image:loc>
      <image:title>Careers - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.saltfinancialgroup.com.au/mortgagebroking</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2024-06-28</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57fac7ee9f7456d89b1b9cad/1531183169899-IFM3NX9Z8OS1G1D12RKK/Salt_Financial_8502.jpg</image:loc>
      <image:title>Mortgage Broking</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57fac7ee9f7456d89b1b9cad/6b2dbd0e-4e9d-40e1-833d-0d8cecde0173/_C0A8351_low_res.jpg</image:loc>
      <image:title>Mortgage Broking - Michael Lawes</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57fac7ee9f7456d89b1b9cad/2e16e0b3-96d6-4a16-b3e5-a63218242d99/0629+MB+Picture.jpg</image:loc>
      <image:title>Mortgage Broking - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57fac7ee9f7456d89b1b9cad/d7c92c5d-27d1-4e30-bc1e-77c65af7939e/Mortgage%2BBroking%2BPicture.jpg</image:loc>
      <image:title>Mortgage Broking - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57fac7ee9f7456d89b1b9cad/2a5f3ede-996c-4f31-85db-468c37f51f42/Mortgage+Broking+Article+Image.jpg</image:loc>
      <image:title>Mortgage Broking - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.saltfinancialgroup.com.au/steve-landers</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2024-10-04</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57fac7ee9f7456d89b1b9cad/1531270064974-RF69AGQ5O8OZ1E533V5P/steve+landers+salt+financial+group+insurance.jpg</image:loc>
      <image:title>Steve Landers</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57fac7ee9f7456d89b1b9cad/80f55959-cb94-48ab-a413-1ca5b38fa235/1.jpg</image:loc>
      <image:title>Steve Landers - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.saltfinancialgroup.com.au/jenni-anderson</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2024-11-19</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57fac7ee9f7456d89b1b9cad/1732055078168-ZKW3QHH96AUD4FTXWW7A/Salt_Financial_Nov23_Jenni_14029+Expanded.jpg</image:loc>
      <image:title>Jenni Anderson</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57fac7ee9f7456d89b1b9cad/9d35de22-290d-4107-9545-61c8d995794b/1.png</image:loc>
      <image:title>Jenni Anderson - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.saltfinancialgroup.com.au/lavinia-pera</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2024-11-19</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57fac7ee9f7456d89b1b9cad/1732054751803-9RKN803GNEQBJVOQLUFL/_GAL4726%2BLAVI%2BFINAL%2BEXTENDED.jpg</image:loc>
      <image:title>Lavinia Pera</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57fac7ee9f7456d89b1b9cad/deab3740-9e66-4f0c-a6d0-046a8ce8be79/1.png</image:loc>
      <image:title>Lavinia Pera - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.saltfinancialgroup.com.au/our-story</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2024-12-17</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57fac7ee9f7456d89b1b9cad/1724109190112-TY40OSVFNYZWZF6GQ0MN/Salt_Financial_Nov23_27926.jpg</image:loc>
      <image:title>Our Story</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57fac7ee9f7456d89b1b9cad/64dd0d3b-255d-4d73-85ab-62c8954ea591/Salt_Financial_8467.jpg</image:loc>
      <image:title>Our Story - 2015 - The Beginnings</image:title>
      <image:caption>Recognising the need for holistic financial services, Peter Landers commenced business operations as Salt Financial Group.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57fac7ee9f7456d89b1b9cad/3b0cc228-e2db-419e-a6e1-b747b79c72fa/Salt_Financial_118942+%281%29.jpg</image:loc>
      <image:title>Our Story - 2017 - Steve Landers Onboard</image:title>
      <image:caption>Steve Landers joined the team at Salt in 2017 as a Financial Adviser to help orient the Financial Planning team towards growth.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57fac7ee9f7456d89b1b9cad/8f852172-ebf2-40ca-8758-34492a53df92/Salt_Financial_8540.jpg</image:loc>
      <image:title>Our Story - 2020 - Organic Growth</image:title>
      <image:caption>5-years into Salt’s journey, the company had grown organically via its loyal and supportive client base, as well as through acquisitions.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57fac7ee9f7456d89b1b9cad/6157f52b-bb05-4fae-9cff-18cefce35db3/Image.jpg</image:loc>
      <image:title>Our Story - 2023 - Transition</image:title>
      <image:caption>Peter passed the baton of Managing Director to Steve, beginning a new era for Salt’s management.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57fac7ee9f7456d89b1b9cad/85e26dbd-8c64-45fb-9be9-cc9c8e4a4ec3/Salt_Financial_Nov23_27740.jpg</image:loc>
      <image:title>Our Story - 2024 - Self Licence Launch</image:title>
      <image:caption>Through much due diligence and hard work, the Financial Planning team was able to be Self Licenced under Salt’s own AFSL (Australian Financial Services Licence).</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57fac7ee9f7456d89b1b9cad/f3cc7d23-8f56-4317-9546-760f83f62576/Untitled+design+%281%29.jpg</image:loc>
      <image:title>Our Story - 2024 - Welcoming Daniel Dubois</image:title>
      <image:caption>Daniel Dubois has come on board to lead our Accounting Team bringing a wealth of experience in the industry.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.saltfinancialgroup.com.au/our-team</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2026-02-05</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57fac7ee9f7456d89b1b9cad/1568074948440-6BEABZKKZUL3CNS45R8Q/Salt_Financial_8434.jpg</image:loc>
      <image:title>Our Team</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57fac7ee9f7456d89b1b9cad/dd21e863-b0bd-43bf-b575-f9d3d25fd44d/_GAL5351+STEVE+FINAL+FLAT.JPG</image:loc>
      <image:title>Our Team - Make it stand out</image:title>
      <image:caption>Steve Landers MFinPlan Managing Director I Financial Adviser Email | LinkedIn | Financial Services Guide + read full bio</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57fac7ee9f7456d89b1b9cad/b89d119a-e936-4114-b541-94966be29d51/Untitled+design+%281%29.jpg</image:loc>
      <image:title>Our Team - Make it stand out</image:title>
      <image:caption>Daniel Dubois BCom(Melb) CA Accounting Principal Email | LinkedIn + get to know</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57fac7ee9f7456d89b1b9cad/0e4d6dbb-0970-43fb-ad7f-fbdb4460f680/Salt_Financial_Nov23_Jenni_14029+Resized.jpg</image:loc>
      <image:title>Our Team - Make it stand out</image:title>
      <image:caption>Jenni Anderson MBA Practice Manager Email | LinkedIn + get to know</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57fac7ee9f7456d89b1b9cad/984808d6-3529-4ac4-9898-91c290165617/Captureanna.PNG</image:loc>
      <image:title>Our Team - Make it stand out</image:title>
      <image:caption>Anna Colley BCom CPA Senior Accounting Manager Email</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57fac7ee9f7456d89b1b9cad/c26de58e-e034-4109-8f82-ca7bbcb6bcd9/_GAL4726+LAVI+FINAL+CROP.JPG</image:loc>
      <image:title>Our Team - Make it stand out</image:title>
      <image:caption>Lavinia Pera BCom MBus(IntBus) ASA Accounting Manager Email | LinkedIn + get to know</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57fac7ee9f7456d89b1b9cad/28f2b851-5fd6-4d98-a3b1-79bfca9fcff1/_GAL5048+JULIE+FINAL+CROP.JPG</image:loc>
      <image:title>Our Team - Make it stand out</image:title>
      <image:caption>Julie Jung BCom CPA Assistant Manager Email | LinkedIn</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57fac7ee9f7456d89b1b9cad/1562903390784-2RUV42PI41OG4WSMAF4X/peter-landers.jpg</image:loc>
      <image:title>Our Team - Make it stand out</image:title>
      <image:caption>Peter Landers Advisory Consultant LinkedIn</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57fac7ee9f7456d89b1b9cad/1d8778f3-7874-47c5-8c17-2623c86ddb64/_GAL5204+SANDRA+FINAL+CROP.JPG</image:loc>
      <image:title>Our Team - Make it stand out</image:title>
      <image:caption>Sandra Boukouvalas Client Services Administrator Email</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57fac7ee9f7456d89b1b9cad/58f2c60b-24e8-4d27-abd0-1eff3c89cc36/Blank-Headshot.jpg</image:loc>
      <image:title>Our Team - Make it stand out</image:title>
      <image:caption>Roya Dasar Client Services Administrator Email</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57fac7ee9f7456d89b1b9cad/02e52e35-75f8-4e51-b179-b9fa600e6009/_GAL4382+SERENA+FINAL+CROP.JPG</image:loc>
      <image:title>Our Team - Make it stand out</image:title>
      <image:caption>Serena Swedosh Client Services Manager  Email | LinkedIn</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57fac7ee9f7456d89b1b9cad/04973c2e-fa1d-442f-913c-3a80ae548d13/41crop+and+shrink.jpg</image:loc>
      <image:title>Our Team - Make it stand out</image:title>
      <image:caption>Terry Chau Junior Paraplanner Email</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57fac7ee9f7456d89b1b9cad/1b9ab57b-ab01-4300-9a7b-7cab4bb48b30/Regan+2.jpg</image:loc>
      <image:title>Our Team - Make it stand out</image:title>
      <image:caption>Regan Dolling BBus(B&amp;F) Client Services Administrator Email I LinkedIn</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57fac7ee9f7456d89b1b9cad/58f2c60b-24e8-4d27-abd0-1eff3c89cc36/Blank-Headshot.jpg</image:loc>
      <image:title>Our Team - Make it stand out</image:title>
      <image:caption>Lucy Zindilis Client Services Administrator Email</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57fac7ee9f7456d89b1b9cad/b3d1e21d-3a85-432b-b2db-e840f2102d5f/_GAL5149+SHARNA+FINAL+CROP.JPG</image:loc>
      <image:title>Our Team - Make it stand out</image:title>
      <image:caption>Shara Cox Front Office Coordinator Email | LinkedIn</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57fac7ee9f7456d89b1b9cad/642064b7-335b-410d-a591-47568884fb84/45crop+and+shrink.jpg</image:loc>
      <image:title>Our Team - Make it stand out</image:title>
      <image:caption>Dylan Sinclair Client Services Administrator Email | LinkedIn</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.saltfinancialgroup.com.au/daniel-dubois</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-08-29</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57fac7ee9f7456d89b1b9cad/37a080a6-73fe-444a-a97d-4d8c7215c4f3/Untitled+%28A4+%28Landscape%29%29+%285%29.png</image:loc>
      <image:title>Daniel Dubois</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57fac7ee9f7456d89b1b9cad/ee2fd6ee-57ac-489a-a5a6-efa1d8ec836b/1.png</image:loc>
      <image:title>Daniel Dubois - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.saltfinancialgroup.com.au/financial-health-checklist</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-03-07</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57fac7ee9f7456d89b1b9cad/ce1ea10f-e9f7-4ca2-9f31-c5ef2407672e/SKOBS+postcard+%281%29.png</image:loc>
      <image:title>Financial Health Checklist - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.saltfinancialgroup.com.au/bt-managed-accounts</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-10-31</lastmod>
  </url>
  <url>
    <loc>https://www.saltfinancialgroup.com.au/individual-income-tax-return-checklist</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-08-06</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57fac7ee9f7456d89b1b9cad/1531183238993-071V6J0P42R8GERPVAQJ/Salt_Financial_8434.jpg</image:loc>
      <image:title>INDIVIDUAL INCOME TAX RETURN CHECKLIST</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.saltfinancialgroup.com.au/brad-laird</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-09-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57fac7ee9f7456d89b1b9cad/665e8f1f-e0b6-449a-805b-5ca8d776a893/Untitled+%28A4+%28Landscape%29%29+%287%29.png</image:loc>
      <image:title>Get to Know - Brad Laird</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57fac7ee9f7456d89b1b9cad/9da6a0be-a05e-4ada-b175-4d6dca9ebd25/GTK+BL.png</image:loc>
      <image:title>Get to Know - Brad Laird</image:title>
    </image:image>
  </url>
</urlset>

