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      <image:caption>Provides an overview of current global market dynamics and essential insights.</image:caption>
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      <image:caption>Provides an overview of current local market dynamics and essential insights,</image:caption>
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      <image:title>Blog - Middle East Escalation - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Blog - January 2026 Update - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Blog - January 2026 Update - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Blog - January 2026 Update - Global Update</image:title>
      <image:caption>Provides an overview of current global market dynamics and essential insights.</image:caption>
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      <image:title>Blog - January 2026 Update - Local Update</image:title>
      <image:caption>Provides an overview of current local market dynamics and essential insights,</image:caption>
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    <loc>https://www.fleuriot.co.za/blog/q4-update-2025</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-01-29</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/f462ea76-7b18-417b-98a4-76028682fb49/Screenshot+2026-01-28+at+13.49.20.jpeg</image:loc>
      <image:title>Blog - Q4 &amp;amp; December 2025 Update &amp;amp; Fund Commentaries - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/9d74b497-7d09-42af-83e9-f78afc2df5ed/PMX+banner.png</image:loc>
      <image:title>Blog - Q4 &amp;amp; December 2025 Update &amp;amp; Fund Commentaries - 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/v1/518b81cee4b04c4fcf48d86e/1635246618274-DPMQD7DEG8VMIKQ6QYYA/pexels-photo-592287.jpg</image:loc>
      <image:title>Blog - Q4 &amp;amp; December 2025 Update &amp;amp; Fund Commentaries</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/76732129-b00b-44fb-b462-b91d408695a4/4k-wallpaper-autumn-clouds-2310641+SMALL.jpg</image:loc>
      <image:title>Blog - Q4 &amp;amp; December 2025 Update &amp;amp; Fund Commentaries</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/b8e82ff8-e972-434c-a224-efb4db3eb272/Screenshot+2026-01-27+at+21.48.42.jpeg</image:loc>
      <image:title>Blog - Q4 &amp;amp; December 2025 Update &amp;amp; Fund Commentaries - 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/v1/518b81cee4b04c4fcf48d86e/74fac204-a12c-4b41-b452-89bc79f433d2/Screenshot+2026-01-20+094258.jpeg</image:loc>
      <image:title>Blog - Q4 &amp;amp; December 2025 Update &amp;amp; Fund Commentaries - Make it stand out</image:title>
      <image:caption>Source: StateStreet: “The Fallacy of Concentration”. Lower values imply greater concentration</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/4f428b88-63df-4a15-8f29-0b260f54a2c7/Screenshot+2026-01-20+101211-1.jpeg</image:loc>
      <image:title>Blog - Q4 &amp;amp; December 2025 Update &amp;amp; Fund Commentaries - Make it stand out</image:title>
      <image:caption>Source: Counterpoint Global, FactSet. As at 30/09/2025</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/0658ff77-c12a-4867-a892-d94a094d9052/Screenshot+2026-01-20+102415.jpeg</image:loc>
      <image:title>Blog - Q4 &amp;amp; December 2025 Update &amp;amp; Fund Commentaries - Make it stand out</image:title>
      <image:caption>Source: Bloomberg, Barclays Private Bank. September 2025</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/e6b734a4-c5db-44fc-8abe-daa9aae69e6b/Screenshot+2026-01-20+112621.jpeg</image:loc>
      <image:title>Blog - Q4 &amp;amp; December 2025 Update &amp;amp; Fund Commentaries - 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/v1/518b81cee4b04c4fcf48d86e/49f4f4fb-960e-4e37-b1f4-cc95c2197ad6/Screenshot+2026-01-20+114326.jpeg</image:loc>
      <image:title>Blog - Q4 &amp;amp; December 2025 Update &amp;amp; Fund Commentaries - Make it stand out</image:title>
      <image:caption>Source: StateStreet: “The Fallacy of Concentration”.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/3f05e1b3-4140-40f3-8f28-64d057d910b2/Screenshot+2026-01-20+115553.jpeg</image:loc>
      <image:title>Blog - Q4 &amp;amp; December 2025 Update &amp;amp; Fund Commentaries - Make it stand out</image:title>
      <image:caption>Source: AQR, MSCI. Chart shows ratio of volatilities of MSCI U.S. Cap-Weighted and Equal-Weighted indices, based on monthly data. A ratio trending upwards would suggest that the cap-weighted index is becoming relatively riskier. Daily data shows a similar pattern. Jan 1, 1975 - Dec 31, 2024</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/d4d389ec-fd79-4a8b-997d-61260248f77b/Picture7.jpeg</image:loc>
      <image:title>Blog - Q4 &amp;amp; December 2025 Update &amp;amp; Fund Commentaries - Make it stand out</image:title>
      <image:caption>Source: Counterpoint Global and FactSet. 2014 - 2023.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/36492b90-ffbb-4924-8d63-e4b6d20d74d0/Screenshot+2026-01-20+115640.jpeg</image:loc>
      <image:title>Blog - Q4 &amp;amp; December 2025 Update &amp;amp; Fund Commentaries - Make it stand out</image:title>
      <image:caption>Source: Bloomberg, Barclays Private Bank. September 2025</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/c3d90d59-d69b-42e4-b5e1-e502c24dc437/F%26A+Banner+%28QUARTERLY%29.jpg</image:loc>
      <image:title>Blog - Q4 &amp;amp; December 2025 Update &amp;amp; Fund Commentaries - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Blog - Q4 &amp;amp; December 2025 Update &amp;amp; Fund Commentaries - Local Fund Commentary</image:title>
      <image:caption>Provides a commentary on the past quarter, its events and their impacts; as well as more intimate commentary on each moving part within your portfolios.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/01ce0c56-b62f-4a8c-9ae5-c91ae0020de2/Screenshot+2026-01-27+at+22.57.03+Large.jpeg</image:loc>
      <image:title>Blog - Q4 &amp;amp; December 2025 Update &amp;amp; Fund Commentaries - Global Fund Commentary</image:title>
      <image:caption>Provides intimate commentary on each moving part within your global portfolios over the past quarter.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/4a0a030f-dc02-4a34-b520-111ceb87b1cc/BACKGROUND+gold.jpg</image:loc>
      <image:title>Blog - Q4 &amp;amp; December 2025 Update &amp;amp; Fund Commentaries - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Blog - Q4 &amp;amp; December 2025 Update &amp;amp; Fund Commentaries - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Blog - Q4 &amp;amp; December 2025 Update &amp;amp; Fund Commentaries - Global Update | December 2025</image:title>
      <image:caption>Provides an overview of current global market dynamics and essential insights.</image:caption>
    </image:image>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/45317f7d-cf80-47ec-a28a-8e5ad87182a1/F%26A+Monthly+Commentary+-+Sept+2024+%28SA%29+Medium.jpeg</image:loc>
      <image:title>Blog - Q4 &amp;amp; December 2025 Update &amp;amp; Fund Commentaries - Local Update | December 2025</image:title>
      <image:caption>Provides an overview of current local market dynamics and essential insights.</image:caption>
    </image:image>
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    <loc>https://www.fleuriot.co.za/blog/monthly-update-nov-2025</loc>
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    <lastmod>2026-01-28</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/1634638752007-DAIB7FRTAP4CV1WFC1O0/FOOTER+COLUMNS+nature-forest-trees-fog-4827.jpg</image:loc>
      <image:title>Blog - November 2025 Update - 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/v1/518b81cee4b04c4fcf48d86e/fb04ab53-2947-4477-ab80-ac40cf84efbd/F%26A+Blog+Banner+%28monthly%29.jpg</image:loc>
      <image:title>Blog - November 2025 Update - 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/v1/518b81cee4b04c4fcf48d86e/ab589517-b963-4e08-b4e9-6643ea27a01c/Monthly+Update+-+April+2025.jpeg</image:loc>
      <image:title>Blog - November 2025 Update - 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/v1/518b81cee4b04c4fcf48d86e/61bcf83a-7efa-426f-8a8c-b8a7935fa5f1/Screenshot+2025-12-05+102212_imgupscaler.ai_Beta_2K.jpeg</image:loc>
      <image:title>Blog - November 2025 Update - Make it stand out</image:title>
      <image:caption>Source: Morningstar. Past Performance is not a reliable indicator of future performance</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/98616555-2ba6-40c4-b5c7-3ba4976a682a/Screenshot+2025-12-05+102529_imgupscaler.ai_Beta_2K.jpeg</image:loc>
      <image:title>Blog - November 2025 Update - Make it stand out</image:title>
      <image:caption>Source: Morningstar. Currency Euros. Past performance is not a reliable indicator of future performance</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/f5e47a8a-3734-4957-88c7-375b51fbbef6/Screenshot+2025-12-05+104237_imgupscaler.ai_Beta_4K.jpeg</image:loc>
      <image:title>Blog - November 2025 Update - Make it stand out</image:title>
      <image:caption>Source: Finaeon, Bloomberg Finance LP, Haver Analytics, Deutsche Bank. Note: availability of data varies across asset classes and types of returns. Past performance is not a reliable indicator of future performance</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/6143b73c-6d97-4f1a-bfc0-74d0582d74cf/Global+Large.jpeg</image:loc>
      <image:title>Blog - November 2025 Update - Global Update</image:title>
      <image:caption>Provides an overview of current global market dynamics and essential insights.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/ca371f43-49bb-4e2e-81d7-5672118f54e8/SA+Large.jpeg</image:loc>
      <image:title>Blog - November 2025 Update - Local Update</image:title>
      <image:caption>Provides an overview of current local market dynamics and essential insights,</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/1637256528907-2HE4FNFSZ62VLP47XHG4/unsplash-image-cELjXF2lczI.jpg</image:loc>
      <image:title>Blog - November 2025 Update - Don’t leave without becoming an F&amp;A insider</image:title>
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  <url>
    <loc>https://www.fleuriot.co.za/blog/monthly-update-oct-2025</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-11-15</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/1634638752007-DAIB7FRTAP4CV1WFC1O0/FOOTER+COLUMNS+nature-forest-trees-fog-4827.jpg</image:loc>
      <image:title>Blog - October 2025 &amp;amp; Global Portfolio Update - 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/v1/518b81cee4b04c4fcf48d86e/d46372a5-6169-47d3-8984-e202128c7d83/fed370fa054501f3a8777e17325d09d3.jpg</image:loc>
      <image:title>Blog - October 2025 &amp;amp; Global Portfolio Update - 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/v1/518b81cee4b04c4fcf48d86e/fb04ab53-2947-4477-ab80-ac40cf84efbd/F%26A+Blog+Banner+%28monthly%29.jpg</image:loc>
      <image:title>Blog - October 2025 &amp;amp; Global Portfolio Update - 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/v1/518b81cee4b04c4fcf48d86e/ab589517-b963-4e08-b4e9-6643ea27a01c/Monthly+Update+-+April+2025.jpeg</image:loc>
      <image:title>Blog - October 2025 &amp;amp; Global Portfolio Update - 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/v1/518b81cee4b04c4fcf48d86e/36a5f5fd-0365-4923-b630-98b3a49e8573/Screenshot+2025-11-11+161039.jpeg</image:loc>
      <image:title>Blog - October 2025 &amp;amp; Global Portfolio Update - Make it stand out</image:title>
      <image:caption>Source: World Gold Council estimates, through Visual Capitalist</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/c098ae52-448b-4c9d-bf54-7e2c5d58fa57/Screenshot+2025-11-12+101357.jpeg</image:loc>
      <image:title>Blog - October 2025 &amp;amp; Global Portfolio Update - Make it stand out</image:title>
      <image:caption>Source: Jeremy Siegel, Stocks for the Long Run, via WisdomTree</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/834d1818-936b-48a9-a1a3-db09c1ee4e0b/F%26A+Monthly+Commentary+-+Jan+2024+%28GLOBAL%29.jpg</image:loc>
      <image:title>Blog - October 2025 &amp;amp; Global Portfolio Update - Global Update | October 2025</image:title>
      <image:caption>Provides an overview of current global market dynamics and essential insights.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/e00cab27-2870-4bef-afc7-5cee318bedf2/F%26A+Monthly+Commentary+-+Jan+2024+%28SA%29.jpg</image:loc>
      <image:title>Blog - October 2025 &amp;amp; Global Portfolio Update - Local Update | October 2025</image:title>
      <image:caption>Provides an overview of current local market dynamics and essential insights,</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/4a0a030f-dc02-4a34-b520-111ceb87b1cc/BACKGROUND+gold.jpg</image:loc>
      <image:title>Blog - October 2025 &amp;amp; Global Portfolio Update - 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/v1/518b81cee4b04c4fcf48d86e/56040dd3-ea8f-4b41-acb6-b175f21d0c9f/F%26A+Banner+%28Portfolio+Update%29.jpg</image:loc>
      <image:title>Blog - October 2025 &amp;amp; Global Portfolio Update - 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/v1/518b81cee4b04c4fcf48d86e/62390920-5ab8-4897-9f89-8b1f245cb0c6/Screenshot+2025-11-10+075736.jpeg</image:loc>
      <image:title>Blog - October 2025 &amp;amp; Global Portfolio Update - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Blog - October 2025 &amp;amp; Global Portfolio Update - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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  <url>
    <loc>https://www.fleuriot.co.za/blog/q3-update-2025</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-11-15</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/9d74b497-7d09-42af-83e9-f78afc2df5ed/PMX+banner.png</image:loc>
      <image:title>Blog - Q3 &amp;amp; September 2025 Update &amp;amp; Fund Commentaries - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Blog - Q3 &amp;amp; September 2025 Update &amp;amp; Fund Commentaries</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/76732129-b00b-44fb-b462-b91d408695a4/4k-wallpaper-autumn-clouds-2310641+SMALL.jpg</image:loc>
      <image:title>Blog - Q3 &amp;amp; September 2025 Update &amp;amp; Fund Commentaries</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/1629147032936-J8OLSXUSNPHU9EURY98B/pexels-photo-539164.jpeg</image:loc>
      <image:title>Blog - Q3 &amp;amp; September 2025 Update &amp;amp; Fund Commentaries</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/3a7149c8-02c9-4dd8-b34b-3216ca9e6187/Q2+2025+Summary+Update+-+Alex+AI.png</image:loc>
      <image:title>Blog - Q3 &amp;amp; September 2025 Update &amp;amp; Fund Commentaries - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/c3d90d59-d69b-42e4-b5e1-e502c24dc437/F%26A+Banner+%28QUARTERLY%29.jpg</image:loc>
      <image:title>Blog - Q3 &amp;amp; September 2025 Update &amp;amp; Fund Commentaries - 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/v1/518b81cee4b04c4fcf48d86e/29a2d3f3-e329-47e2-9ff0-b5c00cb68a47/F%26A+-+LOCAL+Fund+Commentary+%28Q3+2025%29+Large.jpeg</image:loc>
      <image:title>Blog - Q3 &amp;amp; September 2025 Update &amp;amp; Fund Commentaries - Local Fund Commentary</image:title>
      <image:caption>Provides a commentary on the past quarter, its events and their impacts; as well as more intimate commentary on each moving part within your portfolios.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/d7fd4709-dc33-4677-b431-0ff53d005849/F%26A+-+GLOBAL+Fund+Commentary+%28Q3+2025%29+Large.jpeg</image:loc>
      <image:title>Blog - Q3 &amp;amp; September 2025 Update &amp;amp; Fund Commentaries - Global Fund Commentary</image:title>
      <image:caption>Provides intimate commentary on each moving part within your global portfolios over the past quarter.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/4a0a030f-dc02-4a34-b520-111ceb87b1cc/BACKGROUND+gold.jpg</image:loc>
      <image:title>Blog - Q3 &amp;amp; September 2025 Update &amp;amp; Fund Commentaries - 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/v1/518b81cee4b04c4fcf48d86e/fb04ab53-2947-4477-ab80-ac40cf84efbd/F%26A+Blog+Banner+%28monthly%29.jpg</image:loc>
      <image:title>Blog - Q3 &amp;amp; September 2025 Update &amp;amp; Fund Commentaries - 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/v1/518b81cee4b04c4fcf48d86e/41e5efe2-42bc-4d65-b41b-cc819510c68b/F%26A+Monthly+Commentary+-+Sept+2024+%28GLOBAL%29+Medium.jpeg</image:loc>
      <image:title>Blog - Q3 &amp;amp; September 2025 Update &amp;amp; Fund Commentaries - Global Update | September 2025</image:title>
      <image:caption>Provides an overview of current global market dynamics and essential insights.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/45317f7d-cf80-47ec-a28a-8e5ad87182a1/F%26A+Monthly+Commentary+-+Sept+2024+%28SA%29+Medium.jpeg</image:loc>
      <image:title>Blog - Q3 &amp;amp; September 2025 Update &amp;amp; Fund Commentaries - Local Update | September 2025</image:title>
      <image:caption>Provides an overview of current local market dynamics and essential insights.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/4a0a030f-dc02-4a34-b520-111ceb87b1cc/BACKGROUND+gold.jpg</image:loc>
      <image:title>Blog - Q3 &amp;amp; September 2025 Update &amp;amp; Fund Commentaries - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Blog - Q3 &amp;amp; September 2025 Update &amp;amp; Fund Commentaries - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Blog - Q3 &amp;amp; September 2025 Update &amp;amp; Fund Commentaries - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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  <url>
    <loc>https://www.fleuriot.co.za/blog/monthly-update-aug-2025</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-09-17</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/1634638752007-DAIB7FRTAP4CV1WFC1O0/FOOTER+COLUMNS+nature-forest-trees-fog-4827.jpg</image:loc>
      <image:title>Blog - August 2025 Update - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/fb04ab53-2947-4477-ab80-ac40cf84efbd/F%26A+Blog+Banner+%28monthly%29.jpg</image:loc>
      <image:title>Blog - August 2025 Update - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/ab589517-b963-4e08-b4e9-6643ea27a01c/Monthly+Update+-+April+2025.jpeg</image:loc>
      <image:title>Blog - August 2025 Update - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Blog - August 2025 Update - Global Update</image:title>
      <image:caption>Provides an overview of current global market dynamics and essential insights.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/e00cab27-2870-4bef-afc7-5cee318bedf2/F%26A+Monthly+Commentary+-+Jan+2024+%28SA%29.jpg</image:loc>
      <image:title>Blog - August 2025 Update - Local Update</image:title>
      <image:caption>Provides an overview of current local market dynamics and essential insights,</image:caption>
    </image:image>
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    <loc>https://www.fleuriot.co.za/blog/monthly-update-july-2025</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-08-21</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/1634638752007-DAIB7FRTAP4CV1WFC1O0/FOOTER+COLUMNS+nature-forest-trees-fog-4827.jpg</image:loc>
      <image:title>Blog - July 2025 Update - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/fb04ab53-2947-4477-ab80-ac40cf84efbd/F%26A+Blog+Banner+%28monthly%29.jpg</image:loc>
      <image:title>Blog - July 2025 Update - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Blog - July 2025 Update - 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/v1/518b81cee4b04c4fcf48d86e/7aef250c-44e5-49c7-b8d8-bec5d53738b4/Screenshot+2025-08-11+085346.jpeg</image:loc>
      <image:title>Blog - July 2025 Update - Make it stand out</image:title>
      <image:caption>Source: FRED</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/6548519e-7d7a-449d-a7c6-10fa5897b3db/Screenshot+2025-08-11+091032.jpeg</image:loc>
      <image:title>Blog - July 2025 Update - 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/v1/518b81cee4b04c4fcf48d86e/834d1818-936b-48a9-a1a3-db09c1ee4e0b/F%26A+Monthly+Commentary+-+Jan+2024+%28GLOBAL%29.jpg</image:loc>
      <image:title>Blog - July 2025 Update - Global Update</image:title>
      <image:caption>Provides an overview of current global market dynamics and essential insights.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/e00cab27-2870-4bef-afc7-5cee318bedf2/F%26A+Monthly+Commentary+-+Jan+2024+%28SA%29.jpg</image:loc>
      <image:title>Blog - July 2025 Update - Local Update</image:title>
      <image:caption>Provides an overview of current local market dynamics and essential insights,</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/1637256528907-2HE4FNFSZ62VLP47XHG4/unsplash-image-cELjXF2lczI.jpg</image:loc>
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    <loc>https://www.fleuriot.co.za/blog/q2-update-2025</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-07-25</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/9d74b497-7d09-42af-83e9-f78afc2df5ed/PMX+banner.png</image:loc>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/1635246618274-DPMQD7DEG8VMIKQ6QYYA/pexels-photo-592287.jpg</image:loc>
      <image:title>Blog - Q2 &amp;amp; June 2025 Update &amp;amp; Fund Commentaries</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/76732129-b00b-44fb-b462-b91d408695a4/4k-wallpaper-autumn-clouds-2310641+SMALL.jpg</image:loc>
      <image:title>Blog - Q2 &amp;amp; June 2025 Update &amp;amp; Fund Commentaries</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/3a7149c8-02c9-4dd8-b34b-3216ca9e6187/Q2+2025+Summary+Update+-+Alex+AI.png</image:loc>
      <image:title>Blog - Q2 &amp;amp; June 2025 Update &amp;amp; Fund Commentaries - 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/v1/518b81cee4b04c4fcf48d86e/abf8aaa2-fb57-4f61-a629-8d474a1b2a67/Screenshot+2025-07-16+113120.jpeg</image:loc>
      <image:title>Blog - Q2 &amp;amp; June 2025 Update &amp;amp; Fund Commentaries - Make it stand out</image:title>
      <image:caption>Source: FTSE All-Share Index and the MSCI UK All Cap Index as of April 30, 2025</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/c50b097b-0c9d-445b-a773-5a3e8e7174b5/Screenshot+2025-07-16+113335.jpeg</image:loc>
      <image:title>Blog - Q2 &amp;amp; June 2025 Update &amp;amp; Fund Commentaries - Make it stand out</image:title>
      <image:caption>Source: Vanguard calculations using data from Shareholder Wealth Enhancement, Bessembinder (2023). Data as of 2022. Calculations based on total net wealth creation of individual U.S. publicly traded stocks as a percentage of total U.S. net wealth creation from all publicly traded U.S. stocks.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/c3d8deca-b278-4541-809e-80c356172a9d/Screenshot+2025-07-16+113731.jpeg</image:loc>
      <image:title>Blog - Q2 &amp;amp; June 2025 Update &amp;amp; Fund Commentaries - Make it stand out</image:title>
      <image:caption>Source: LSEG Datastream, MSCI ad Schroders Strategic Research Unit. Data as a 31 May 2025.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/583863b0-b54f-4211-928b-75a64f417257/Screenshot+2025-07-16+113434.jpeg</image:loc>
      <image:title>Blog - Q2 &amp;amp; June 2025 Update &amp;amp; Fund Commentaries - Make it stand out</image:title>
      <image:caption>Source: Morningstar Direct</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/91ab7d8d-e830-4e2f-adc0-772425e1e32f/undefined-Jul-11-2025-12-16-42-5803-PM.jpeg</image:loc>
      <image:title>Blog - Q2 &amp;amp; June 2025 Update &amp;amp; Fund Commentaries - Make it stand out</image:title>
      <image:caption>Source: SPIVA around the World 2025 and SPIVA Fixed Income Around the World 2025.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/069fc70c-3a26-4c05-bdbf-2f4bbd69f281/undefined-Jul-11-2025-12-18-15-4742-PM.jpeg</image:loc>
      <image:title>Blog - Q2 &amp;amp; June 2025 Update &amp;amp; Fund Commentaries - Make it stand out</image:title>
      <image:caption>Source: PortfolioMetrix, for Illustrative Purposes Only.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/c3d90d59-d69b-42e4-b5e1-e502c24dc437/F%26A+Banner+%28QUARTERLY%29.jpg</image:loc>
      <image:title>Blog - Q2 &amp;amp; June 2025 Update &amp;amp; Fund Commentaries - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/63e647ae-0729-4d4f-ab7f-682f8fe40a9b/F%26A+-+LOCAL+Fund+Commentary+%28Q2+2025%29.jpg</image:loc>
      <image:title>Blog - Q2 &amp;amp; June 2025 Update &amp;amp; Fund Commentaries - Local Fund Commentary</image:title>
      <image:caption>Provides a commentary on the past quarter, its events and their impacts; as well as more intimate commentary on each moving part within your portfolios.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/798adcd7-2251-4e55-ad5e-3d0c0447abdb/F%26A+-+GLOBAL+Fund+Commentary+%28Q2+2025%29.jpg</image:loc>
      <image:title>Blog - Q2 &amp;amp; June 2025 Update &amp;amp; Fund Commentaries - Global Fund Commentary</image:title>
      <image:caption>Provides intimate commentary on each moving part within your global portfolios over the past quarter.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/fb04ab53-2947-4477-ab80-ac40cf84efbd/F%26A+Blog+Banner+%28monthly%29.jpg</image:loc>
      <image:title>Blog - Q2 &amp;amp; June 2025 Update &amp;amp; Fund Commentaries - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/41e5efe2-42bc-4d65-b41b-cc819510c68b/F%26A+Monthly+Commentary+-+Sept+2024+%28GLOBAL%29+Medium.jpeg</image:loc>
      <image:title>Blog - Q2 &amp;amp; June 2025 Update &amp;amp; Fund Commentaries - Global Update | June 2025</image:title>
      <image:caption>Provides an overview of current global market dynamics and essential insights.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/45317f7d-cf80-47ec-a28a-8e5ad87182a1/F%26A+Monthly+Commentary+-+Sept+2024+%28SA%29+Medium.jpeg</image:loc>
      <image:title>Blog - Q2 &amp;amp; June 2025 Update &amp;amp; Fund Commentaries - Local Update | June 2025</image:title>
      <image:caption>Provides an overview of current local market dynamics and essential insights.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/1714651115392-1FKXOD00I1RN1BAYUSZL/image-asset.jpeg</image:loc>
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  <url>
    <loc>https://www.fleuriot.co.za/blog/monthly-update-may-2025</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-19</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/1634638752007-DAIB7FRTAP4CV1WFC1O0/FOOTER+COLUMNS+nature-forest-trees-fog-4827.jpg</image:loc>
      <image:title>Blog - May 2025 Update - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Blog - May 2025 Update - 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/v1/518b81cee4b04c4fcf48d86e/ab589517-b963-4e08-b4e9-6643ea27a01c/Monthly+Update+-+April+2025.jpeg</image:loc>
      <image:title>Blog - May 2025 Update - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/34b5e59a-d15b-41fb-b312-0694fc531892/Monthly+May.jpeg</image:loc>
      <image:title>Blog - May 2025 Update - Make it stand out</image:title>
      <image:caption>Source: FRED</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/36e7ff10-03c3-497d-9596-b11dbd09a944/Figure+2.jpeg</image:loc>
      <image:title>Blog - May 2025 Update - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/b2f25efa-55ae-4650-89fe-14a332b115c8/Figure+3.jpeg</image:loc>
      <image:title>Blog - May 2025 Update - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/bc7adad4-3054-49ca-83ec-c4c4ac14d507/Figure+4.jpeg</image:loc>
      <image:title>Blog - May 2025 Update - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Blog - May 2025 Update - Global Update</image:title>
      <image:caption>Provides an overview of current global market dynamics and essential insights.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/e00cab27-2870-4bef-afc7-5cee318bedf2/F%26A+Monthly+Commentary+-+Jan+2024+%28SA%29.jpg</image:loc>
      <image:title>Blog - May 2025 Update - Local Update</image:title>
      <image:caption>Provides an overview of current local market dynamics and essential insights,</image:caption>
    </image:image>
    <image:image>
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  <url>
    <loc>https://www.fleuriot.co.za/blog/monthly-update-apr-2025</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-17</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/1634638752007-DAIB7FRTAP4CV1WFC1O0/FOOTER+COLUMNS+nature-forest-trees-fog-4827.jpg</image:loc>
      <image:title>Blog - April 2025 Update - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/fb04ab53-2947-4477-ab80-ac40cf84efbd/F%26A+Blog+Banner+%28monthly%29.jpg</image:loc>
      <image:title>Blog - April 2025 Update - 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/v1/518b81cee4b04c4fcf48d86e/ab589517-b963-4e08-b4e9-6643ea27a01c/Monthly+Update+-+April+2025.jpeg</image:loc>
      <image:title>Blog - April 2025 Update - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/353a857d-2625-4135-9fb8-dc1f270d0f1e/Picture1-2.jpeg</image:loc>
      <image:title>Blog - April 2025 Update - Make it stand out</image:title>
      <image:caption>Source: FRED</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/834d1818-936b-48a9-a1a3-db09c1ee4e0b/F%26A+Monthly+Commentary+-+Jan+2024+%28GLOBAL%29.jpg</image:loc>
      <image:title>Blog - April 2025 Update - Global Update</image:title>
      <image:caption>Provides an overview of current global market dynamics and essential insights.</image:caption>
    </image:image>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/e00cab27-2870-4bef-afc7-5cee318bedf2/F%26A+Monthly+Commentary+-+Jan+2024+%28SA%29.jpg</image:loc>
      <image:title>Blog - April 2025 Update - Local Update</image:title>
      <image:caption>Provides an overview of current local market dynamics and essential insights,</image:caption>
    </image:image>
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    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-04-30</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/9d74b497-7d09-42af-83e9-f78afc2df5ed/PMX+banner.png</image:loc>
      <image:title>Blog - Q1 2025 &amp;amp; March 2025 Update &amp;amp; Fund Commentaries - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Blog - Q1 2025 &amp;amp; March 2025 Update &amp;amp; Fund Commentaries</image:title>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/76732129-b00b-44fb-b462-b91d408695a4/4k-wallpaper-autumn-clouds-2310641+SMALL.jpg</image:loc>
      <image:title>Blog - Q1 2025 &amp;amp; March 2025 Update &amp;amp; Fund Commentaries</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/c79d4c32-73b0-4db4-ac56-402d498ddf29/Picture1-1.jpeg</image:loc>
      <image:title>Blog - Q1 2025 &amp;amp; March 2025 Update &amp;amp; Fund Commentaries - Make it stand out</image:title>
      <image:caption>Source: S&amp;P Global</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/8a6b20ec-84d4-4c9d-ab93-18da8538e03d/Picture2-1.jpeg</image:loc>
      <image:title>Blog - Q1 2025 &amp;amp; March 2025 Update &amp;amp; Fund Commentaries - Make it stand out</image:title>
      <image:caption>Source: Morningstar DIrect</image:caption>
    </image:image>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/aaf755a0-5385-4c0a-8155-660652a8d204/Picture3-1.jpeg</image:loc>
      <image:title>Blog - Q1 2025 &amp;amp; March 2025 Update &amp;amp; Fund Commentaries - Make it stand out</image:title>
      <image:caption>Source: Morningstar Direct</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/1b836e34-e222-4e36-90ef-f183b5095087/Picture4-1.jpeg</image:loc>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Blog - Q1 2025 &amp;amp; March 2025 Update &amp;amp; Fund Commentaries - Local Fund Commentary</image:title>
      <image:caption>Provides a commentary on the past quarter, its events and their impacts; as well as more intimate commentary on each moving part within your portfolios.</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/cc308e7a-7f7c-4104-b341-8d8ff37d1cd4/F%26A+-+GLOBAL+Fund+Commentary+%28Q1+2025%29.jpg</image:loc>
      <image:title>Blog - Q1 2025 &amp;amp; March 2025 Update &amp;amp; Fund Commentaries - Global Fund Commentary</image:title>
      <image:caption>Provides intimate commentary on each moving part within your global portfolios over the past quarter.</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/fb04ab53-2947-4477-ab80-ac40cf84efbd/F%26A+Blog+Banner+%28monthly%29.jpg</image:loc>
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      <image:caption>Provides an overview of current local market dynamics and essential insights.</image:caption>
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  <url>
    <loc>https://www.fleuriot.co.za/blog/market-wrap-apr-2025</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-04-08</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/f7cc0cf4-68b7-48e7-ae0e-3058b8f6aee5/F%26A+Blog+Banner+%28market+update%29.jpg</image:loc>
      <image:title>Blog - What’s Moving the Market? - Make it stand out</image:title>
      <image:caption>Commentary from Richard Fleuriot - Managing Director &amp; Head of Advice at F&amp;A (08 April 2024)</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/39852d75-7dbd-48b7-ac24-73fc67291b66/PMX+Banner+-+Market+Update.jpg</image:loc>
      <image:title>Blog - What’s Moving the Market? - Make it stand out</image:title>
      <image:caption>A Market Update from Brendan De Jongh - Head of Global Investment Strategy at PMX (08 April 2025)</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/d4ccc977-d281-428b-a70e-97b1dbb6b5bc/1.jpeg</image:loc>
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  <url>
    <loc>https://www.fleuriot.co.za/blog/monthly-update-feb-2025</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-05-27</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/1634638752007-DAIB7FRTAP4CV1WFC1O0/FOOTER+COLUMNS+nature-forest-trees-fog-4827.jpg</image:loc>
      <image:title>Blog - February 2025 Update - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/fb04ab53-2947-4477-ab80-ac40cf84efbd/F%26A+Blog+Banner+%28monthly%29.jpg</image:loc>
      <image:title>Blog - February 2025 Update - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/e4fda157-0df2-4841-806d-d6af86477c29/1742292514263.jpg</image:loc>
      <image:title>Blog - February 2025 Update - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/5d06d58d-4d53-4be5-8505-af01b9ead885/figure+1.png</image:loc>
      <image:title>Blog - February 2025 Update - Make it stand out</image:title>
      <image:caption>Figure 1: Lower yields, a weaker dollar and moderating oil prices have been achieved since Trump`s inauguration (Bloomberg).</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/adddb015-22df-4f0f-9985-3ff9c6867f0a/figure+2.png</image:loc>
      <image:title>Blog - February 2025 Update - Make it stand out</image:title>
      <image:caption>Figure 2: Across asset classes, market enthusiasm has dissipated on Tump 2.1 (Bloomberg)</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/3ef5c494-9aa8-4af8-b5e1-f461071bc0d0/figure+3.png</image:loc>
      <image:title>Blog - February 2025 Update - Make it stand out</image:title>
      <image:caption>Figure 3: US consumer confidence dropped by the most since August 2021, on concerns about the future of the economy (Consumer Conference Board, Bloomberg)</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/407a84ab-0101-4fce-8d20-cdd81182443f/figure+4.png</image:loc>
      <image:title>Blog - February 2025 Update - Make it stand out</image:title>
      <image:caption>Figure 4: Global Economic Policy Uncertainty has reached a all-time high (Global Trade Policy Uncertainty Index, Econovis)</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/834d1818-936b-48a9-a1a3-db09c1ee4e0b/F%26A+Monthly+Commentary+-+Jan+2024+%28GLOBAL%29.jpg</image:loc>
      <image:title>Blog - February 2025 Update - Global Update</image:title>
      <image:caption>Provides an overview of current global market dynamics and essential insights.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/e00cab27-2870-4bef-afc7-5cee318bedf2/F%26A+Monthly+Commentary+-+Jan+2024+%28SA%29.jpg</image:loc>
      <image:title>Blog - February 2025 Update - Local Update</image:title>
      <image:caption>Provides an overview of current local market dynamics and essential insights,</image:caption>
    </image:image>
    <image:image>
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    <loc>https://www.fleuriot.co.za/blog/monthly-update-jan-2025</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-03-07</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/1634638752007-DAIB7FRTAP4CV1WFC1O0/FOOTER+COLUMNS+nature-forest-trees-fog-4827.jpg</image:loc>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/fb04ab53-2947-4477-ab80-ac40cf84efbd/F%26A+Blog+Banner+%28monthly%29.jpg</image:loc>
      <image:title>Blog - January 2025 Update - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/faa8c9c9-c577-4de8-8d64-8c4edeec5bc7/Picture1-Feb-12-2025-05-58-30-8246-AM.jpeg</image:loc>
      <image:title>Blog - January 2025 Update - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/76657b22-becd-441f-98c6-9683ce57d885/Picture+2.jpeg</image:loc>
      <image:title>Blog - January 2025 Update - Make it stand out</image:title>
      <image:caption>Source: Financial Times, Bloomberg, @_PeterWells</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/9be24d5f-9bd3-4668-8676-620a0b726145/Picture3-Feb-11-2025-02-10-34-2491-PM.jpeg</image:loc>
      <image:title>Blog - January 2025 Update - Make it stand out</image:title>
      <image:caption>Source: Ben-David, Franzoni, Kim, Moussawi (Competition for attention in the ETF space, 15 Feb 2022), Financial Times</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/b761653f-f6a4-4a7d-b630-d466fddf1dba/Picture4-Feb-11-2025-02-12-17-8898-PM.jpeg</image:loc>
      <image:title>Blog - January 2025 Update - Make it stand out</image:title>
      <image:caption>Source: Morningstar Research, Returns calculated to 30 June 2024, Fund performance is measured against the Morningstar Global TME GR Index</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/fddc64dd-abb5-4d98-b3c5-0d641fe484bc/Picture5-Feb-11-2025-02-13-24-3250-PM.jpeg</image:loc>
      <image:title>Blog - January 2025 Update - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/834d1818-936b-48a9-a1a3-db09c1ee4e0b/F%26A+Monthly+Commentary+-+Jan+2024+%28GLOBAL%29.jpg</image:loc>
      <image:title>Blog - January 2025 Update - Global Update</image:title>
      <image:caption>Provides an overview of current global market dynamics and essential insights.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/e00cab27-2870-4bef-afc7-5cee318bedf2/F%26A+Monthly+Commentary+-+Jan+2024+%28SA%29.jpg</image:loc>
      <image:title>Blog - January 2025 Update - Local Update</image:title>
      <image:caption>Provides an overview of current local market dynamics and essential insights,</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/4a0a030f-dc02-4a34-b520-111ceb87b1cc/BACKGROUND+gold.jpg</image:loc>
      <image:title>Blog - January 2025 Update - GLOBAL PORTFOLIO SERIES</image:title>
      <image:caption>ASSET ALLOCATION UPDATE</image:caption>
    </image:image>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/1637256528907-2HE4FNFSZ62VLP47XHG4/unsplash-image-cELjXF2lczI.jpg</image:loc>
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  <url>
    <loc>https://www.fleuriot.co.za/blog/q4-update-2024</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-01-29</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/9d74b497-7d09-42af-83e9-f78afc2df5ed/PMX+banner.png</image:loc>
      <image:title>Blog - Q4 2024 &amp;amp; December 2024 Update &amp;amp; Fund Commentaries - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/1635246618274-DPMQD7DEG8VMIKQ6QYYA/pexels-photo-592287.jpg</image:loc>
      <image:title>Blog - Q4 2024 &amp;amp; December 2024 Update &amp;amp; Fund Commentaries</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/76732129-b00b-44fb-b462-b91d408695a4/4k-wallpaper-autumn-clouds-2310641+SMALL.jpg</image:loc>
      <image:title>Blog - Q4 2024 &amp;amp; December 2024 Update &amp;amp; Fund Commentaries</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/aee7b745-42dd-4d51-bc43-14628ff8135a/P11.jpeg</image:loc>
      <image:title>Blog - Q4 2024 &amp;amp; December 2024 Update &amp;amp; Fund Commentaries - Make it stand out</image:title>
      <image:caption>Source: Statista</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/efda1647-a4f9-4b0d-ad3c-abf658a1a4cf/P12.jpeg</image:loc>
      <image:title>Blog - Q4 2024 &amp;amp; December 2024 Update &amp;amp; Fund Commentaries - Make it stand out</image:title>
      <image:caption>Source: Bloomberg Finance L.P., Haver Analytics, Ibbotson, from Tim Andres &amp; Ben Bakkum, J.P. Morgan.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/0c91f278-5f46-4499-b2a9-2cf7a9cf6d54/P13.jpeg</image:loc>
      <image:title>Blog - Q4 2024 &amp;amp; December 2024 Update &amp;amp; Fund Commentaries - Make it stand out</image:title>
      <image:caption>Source: FT, December 19th 2024</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/a3c771b1-7f2c-47b7-98fc-b6787227ff81/P14.jpeg</image:loc>
      <image:title>Blog - Q4 2024 &amp;amp; December 2024 Update &amp;amp; Fund Commentaries - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Blog - Q4 2024 &amp;amp; December 2024 Update &amp;amp; Fund Commentaries - Make it stand out</image:title>
      <image:caption>Source: JPM Guide to the Markets Q1 2025</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/c3d90d59-d69b-42e4-b5e1-e502c24dc437/F%26A+Banner+%28QUARTERLY%29.jpg</image:loc>
      <image:title>Blog - Q4 2024 &amp;amp; December 2024 Update &amp;amp; Fund Commentaries - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/c9ec08b3-12b1-453e-b8d4-638350897948/F%26A+-+LOCAL+Fund+Commentary+%28Q4+2024%29+Medium.jpeg</image:loc>
      <image:title>Blog - Q4 2024 &amp;amp; December 2024 Update &amp;amp; Fund Commentaries - Local Fund Commentary</image:title>
      <image:caption>Provides a commentary on the past quarter, its events and their impacts; as well as more intimate commentary on each moving part within your portfolios.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/2b5c69d9-cd45-4f52-901e-12d3fa852884/F%26A+-+GLOBAL+Fund+Commentary+%28Q4+2024%29+Medium.jpeg</image:loc>
      <image:title>Blog - Q4 2024 &amp;amp; December 2024 Update &amp;amp; Fund Commentaries - Global Fund Commentary</image:title>
      <image:caption>Provides intimate commentary on each moving part within your global portfolios over the past quarter.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/fb04ab53-2947-4477-ab80-ac40cf84efbd/F%26A+Blog+Banner+%28monthly%29.jpg</image:loc>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/41e5efe2-42bc-4d65-b41b-cc819510c68b/F%26A+Monthly+Commentary+-+Sept+2024+%28GLOBAL%29+Medium.jpeg</image:loc>
      <image:title>Blog - Q4 2024 &amp;amp; December 2024 Update &amp;amp; Fund Commentaries - Global Update | Dec 2024</image:title>
      <image:caption>Provides an overview of current global market dynamics and essential insights.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/45317f7d-cf80-47ec-a28a-8e5ad87182a1/F%26A+Monthly+Commentary+-+Sept+2024+%28SA%29+Medium.jpeg</image:loc>
      <image:title>Blog - Q4 2024 &amp;amp; December 2024 Update &amp;amp; Fund Commentaries - Local Update | Dec 2024</image:title>
      <image:caption>Provides an overview of current local market dynamics and essential insights.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/1714651115392-1FKXOD00I1RN1BAYUSZL/image-asset.jpeg</image:loc>
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  <url>
    <loc>https://www.fleuriot.co.za/blog/monthly-update-nov-2024</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-01-22</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/1634638752007-DAIB7FRTAP4CV1WFC1O0/FOOTER+COLUMNS+nature-forest-trees-fog-4827.jpg</image:loc>
      <image:title>Blog - November 2024 Update - 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/v1/518b81cee4b04c4fcf48d86e/4f8936c2-8cca-4a0f-b55e-d87ee0e8979e/a-gnu-dawn-meet-south-africas-new-cabinet.jpeg</image:loc>
      <image:title>Blog - November 2024 Update - Make it stand out</image:title>
      <image:caption>https://www.goodthingsguy.com/lifestyle/2024-accomplishments-list/</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/f3043bf1-bb18-4236-870e-701779d4153f/F%26A+Christmas+wishes.jpg</image:loc>
      <image:title>Blog - November 2024 Update - Warm wishes from F&amp;A</image:title>
      <image:caption>Some of us may well have had our most testing year yet. My hope is that we all get some quality down time over the coming weeks, and that we are joyful being just who we are. My hope for each of us is that that genuine, authentic joy can genuinely warm us all.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/fb04ab53-2947-4477-ab80-ac40cf84efbd/F%26A+Blog+Banner+%28monthly%29.jpg</image:loc>
      <image:title>Blog - November 2024 Update - 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/v1/518b81cee4b04c4fcf48d86e/9f22d15c-1672-4568-820c-02a0a0978c90/Screenshot+2024-12-11+091144.jpeg</image:loc>
      <image:title>Blog - November 2024 Update - Make it stand out</image:title>
      <image:caption>Annualised returns in USD between 2018/06/30 and 2023/06/30. Behaviour Gap = Time weighted return – Money Weighted Return. Source: Morningstar “Mind the Gap 2023 – Investor Returns Around the World” (link).</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/834d1818-936b-48a9-a1a3-db09c1ee4e0b/F%26A+Monthly+Commentary+-+Jan+2024+%28GLOBAL%29.jpg</image:loc>
      <image:title>Blog - November 2024 Update - Global Update</image:title>
      <image:caption>Provides an overview of current global market dynamics and essential insights.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/e00cab27-2870-4bef-afc7-5cee318bedf2/F%26A+Monthly+Commentary+-+Jan+2024+%28SA%29.jpg</image:loc>
      <image:title>Blog - November 2024 Update - Local Update</image:title>
      <image:caption>Provides an overview of current local market dynamics and essential insights,</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/1637256528907-2HE4FNFSZ62VLP47XHG4/unsplash-image-cELjXF2lczI.jpg</image:loc>
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  <url>
    <loc>https://www.fleuriot.co.za/blog/monthly-update-oct-2024</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-11-20</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/1634638752007-DAIB7FRTAP4CV1WFC1O0/FOOTER+COLUMNS+nature-forest-trees-fog-4827.jpg</image:loc>
      <image:title>Blog - October 2024 Update - 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/v1/518b81cee4b04c4fcf48d86e/fb04ab53-2947-4477-ab80-ac40cf84efbd/F%26A+Blog+Banner+%28monthly%29.jpg</image:loc>
      <image:title>Blog - October 2024 Update - 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/v1/518b81cee4b04c4fcf48d86e/9e440cd2-aa67-4316-b63e-350eb532e15e/Screenshot+2024-11-13+091436.jpeg</image:loc>
      <image:title>Blog - October 2024 Update - Make it stand out</image:title>
      <image:caption>Source: FT (October 2024), US inflation and interest rates since 2020</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/8d3a4b63-e069-4273-b0bc-fc3a2c770e87/Screenshot+2024-11-13+091500.jpeg</image:loc>
      <image:title>Blog - October 2024 Update - Make it stand out</image:title>
      <image:caption>Source: JP Morgan Guide To The Markets Q4 2024 (31 October 2024), bond yields and subsequent 5-year returns. The value of investments, and the income from them, can go down as well as up, and you may not recover the amount of your original investment.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/22902fb2-0441-494c-a942-96a9580c5a15/Screenshot+2024-11-13+091512.jpeg</image:loc>
      <image:title>Blog - October 2024 Update - Make it stand out</image:title>
      <image:caption>Source: JP Morgan Guide To The Markets Q4 2024 (31 October 2024), fixed income yields across different bond asset classes. The value of investments, and the income from them, can go down as well as up, and you may not recover the amount of your original investment.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/414e2185-dfab-441b-9346-317c038e7d4c/Screenshot+2024-11-13+092742.jpeg</image:loc>
      <image:title>Blog - October 2024 Update - Make it stand out</image:title>
      <image:caption>Source: Financial Express and PortfolioMetrix. The value of investments, and the income from them, can go down as well as up, and you may not recover the amount of your original investment.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/834d1818-936b-48a9-a1a3-db09c1ee4e0b/F%26A+Monthly+Commentary+-+Jan+2024+%28GLOBAL%29.jpg</image:loc>
      <image:title>Blog - October 2024 Update - Global Update</image:title>
      <image:caption>Provides an overview of current global market dynamics and essential insights.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/e00cab27-2870-4bef-afc7-5cee318bedf2/F%26A+Monthly+Commentary+-+Jan+2024+%28SA%29.jpg</image:loc>
      <image:title>Blog - October 2024 Update - Local Update</image:title>
      <image:caption>Provides an overview of current local market dynamics and essential insights,</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/1637256528907-2HE4FNFSZ62VLP47XHG4/unsplash-image-cELjXF2lczI.jpg</image:loc>
      <image:title>Blog - October 2024 Update - Don’t leave without becoming an F&amp;A insider</image:title>
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  <url>
    <loc>https://www.fleuriot.co.za/blog/portfolio-update-nov-2024</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-11-04</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/22fcb3dc-6fd2-4746-ac7d-48993415fb14/F%26A+Blog+Banner+%28portfolio+update%29.jpg</image:loc>
      <image:title>Blog - South African (ZAR) Solution Rebalance - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/6e471847-40a3-4112-aab0-ad5363695c0e/Screenshot+2024-10-29+091153.jpeg</image:loc>
      <image:title>Blog - South African (ZAR) Solution Rebalance - 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>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/1637256528907-2HE4FNFSZ62VLP47XHG4/unsplash-image-cELjXF2lczI.jpg</image:loc>
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  <url>
    <loc>https://www.fleuriot.co.za/blog/q3-update-2024</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-10-31</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/1635246618274-DPMQD7DEG8VMIKQ6QYYA/pexels-photo-592287.jpg</image:loc>
      <image:title>Blog - Q3 2024 &amp;amp; September 2024 Update &amp;amp; Fund Commentaries</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/76732129-b00b-44fb-b462-b91d408695a4/4k-wallpaper-autumn-clouds-2310641+SMALL.jpg</image:loc>
      <image:title>Blog - Q3 2024 &amp;amp; September 2024 Update &amp;amp; Fund Commentaries</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/7c74deba-ec2d-48c6-b54c-b37b270ba628/Screenshot+2024-10-15+155654.jpeg</image:loc>
      <image:title>Blog - Q3 2024 &amp;amp; September 2024 Update &amp;amp; Fund Commentaries - Make it stand out</image:title>
      <image:caption>Source: Schroders Equity Lens, September 2024</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/bbcc9e13-209e-4365-96ed-d20466053e42/Screenshot+2024-10-15+155737.jpeg</image:loc>
      <image:title>Blog - Q3 2024 &amp;amp; September 2024 Update &amp;amp; Fund Commentaries - Make it stand out</image:title>
      <image:caption>Source: Bloomberg Finance L.P., Haver Analytics, Ibbotson, from Tim Andres &amp; Ben Bakkum, J.P. Morgan.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/c3d90d59-d69b-42e4-b5e1-e502c24dc437/F%26A+Banner+%28QUARTERLY%29.jpg</image:loc>
      <image:title>Blog - Q3 2024 &amp;amp; September 2024 Update &amp;amp; Fund Commentaries - 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/v1/518b81cee4b04c4fcf48d86e/a8697a52-24cd-4eac-89c5-935ceb7eb741/F%26A+-+LOCAL+Fund+Commentary+%28Q3+2024%29+Medium.jpeg</image:loc>
      <image:title>Blog - Q3 2024 &amp;amp; September 2024 Update &amp;amp; Fund Commentaries - Local Fund Commentary</image:title>
      <image:caption>Provides a commentary on the past quarter, its events and their impacts; as well as more intimate commentary on each moving part within your portfolios.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/569b5d8e-9998-4aac-abbf-6bbc4febebb1/F%26A+-+GLOBAL+Fund+Commentary+%28Q3+2024%29+Medium.jpeg</image:loc>
      <image:title>Blog - Q3 2024 &amp;amp; September 2024 Update &amp;amp; Fund Commentaries - Global Fund Commentary</image:title>
      <image:caption>Provides intimate commentary on each moving part within your global portfolios over the past quarter.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/fb04ab53-2947-4477-ab80-ac40cf84efbd/F%26A+Blog+Banner+%28monthly%29.jpg</image:loc>
      <image:title>Blog - Q3 2024 &amp;amp; September 2024 Update &amp;amp; Fund Commentaries - 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/v1/518b81cee4b04c4fcf48d86e/41e5efe2-42bc-4d65-b41b-cc819510c68b/F%26A+Monthly+Commentary+-+Sept+2024+%28GLOBAL%29+Medium.jpeg</image:loc>
      <image:title>Blog - Q3 2024 &amp;amp; September 2024 Update &amp;amp; Fund Commentaries - Global Update | Sept 2024</image:title>
      <image:caption>Provides an overview of current global market dynamics and essential insights.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/45317f7d-cf80-47ec-a28a-8e5ad87182a1/F%26A+Monthly+Commentary+-+Sept+2024+%28SA%29+Medium.jpeg</image:loc>
      <image:title>Blog - Q3 2024 &amp;amp; September 2024 Update &amp;amp; Fund Commentaries - Local Update | Sept 2024</image:title>
      <image:caption>Provides an overview of current local market dynamics and essential insights.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/1714651115392-1FKXOD00I1RN1BAYUSZL/image-asset.jpeg</image:loc>
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  <url>
    <loc>https://www.fleuriot.co.za/blog/monthly-update-aug-2024</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-11-20</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/1634638752007-DAIB7FRTAP4CV1WFC1O0/FOOTER+COLUMNS+nature-forest-trees-fog-4827.jpg</image:loc>
      <image:title>Blog - August 2024 Update - 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/v1/518b81cee4b04c4fcf48d86e/fb04ab53-2947-4477-ab80-ac40cf84efbd/F%26A+Blog+Banner+%28monthly%29.jpg</image:loc>
      <image:title>Blog - August 2024 Update - 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/v1/518b81cee4b04c4fcf48d86e/d4dd6ed8-ad2e-461d-9f0d-e52f29dd464d/Picture1-Sep-10-2024-01-49-48-5137-PM.jpeg</image:loc>
      <image:title>Blog - August 2024 Update - Make it stand out</image:title>
      <image:caption>Source: Schroders Insights August 2024</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/2ce9afa0-bf4d-4a64-bedc-f56b77e9e00c/Picture2.jpeg</image:loc>
      <image:title>Blog - August 2024 Update - Make it stand out</image:title>
      <image:caption>Source: Schroders Insights August 2024</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/0cf8f8aa-def0-4e03-b64b-e92bb734c32a/Picture3.jpeg</image:loc>
      <image:title>Blog - August 2024 Update - 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/v1/518b81cee4b04c4fcf48d86e/834d1818-936b-48a9-a1a3-db09c1ee4e0b/F%26A+Monthly+Commentary+-+Jan+2024+%28GLOBAL%29.jpg</image:loc>
      <image:title>Blog - August 2024 Update - Global Update</image:title>
      <image:caption>Provides an overview of current global market dynamics and essential insights.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/e00cab27-2870-4bef-afc7-5cee318bedf2/F%26A+Monthly+Commentary+-+Jan+2024+%28SA%29.jpg</image:loc>
      <image:title>Blog - August 2024 Update - Local Update</image:title>
      <image:caption>Provides an overview of current local market dynamics and essential insights,</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/1637256528907-2HE4FNFSZ62VLP47XHG4/unsplash-image-cELjXF2lczI.jpg</image:loc>
      <image:title>Blog - August 2024 Update - Don’t leave without becoming an F&amp;A insider</image:title>
      <image:caption>Sign up to receive regular business &amp; investment updates from our blog</image:caption>
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  </url>
  <url>
    <loc>https://www.fleuriot.co.za/blog/monthly-update-july-2024</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-10-08</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/1634638752007-DAIB7FRTAP4CV1WFC1O0/FOOTER+COLUMNS+nature-forest-trees-fog-4827.jpg</image:loc>
      <image:title>Blog - July 2024 Update - 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/v1/518b81cee4b04c4fcf48d86e/30b3256e-bb3f-4bbb-82b8-dc79c269c890/F%26A+Blog+Banner.jpg</image:loc>
      <image:title>Blog - July 2024 Update - 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/v1/518b81cee4b04c4fcf48d86e/834d1818-936b-48a9-a1a3-db09c1ee4e0b/F%26A+Monthly+Commentary+-+Jan+2024+%28GLOBAL%29.jpg</image:loc>
      <image:title>Blog - July 2024 Update - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Blog - Business Update - Closing of a Chapter - Make it stand out</image:title>
      <image:caption>This piece is compiled by Richard Fleuriot, Managing Director &amp; Head of Wealth Creation</image:caption>
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      <image:caption>FIVE YEAR ASSET CLASS RETURNS MATRIX (in rand terms)</image:caption>
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      <image:caption>FIVE YEAR ASSET CLASS RETURNS MATRIX (in rand terms)</image:caption>
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    <loc>https://www.fleuriot.co.za/blog/q4-update-2022</loc>
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    <lastmod>2023-02-07</lastmod>
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      <image:title>Blog - Q4 2022 Update &amp;amp; Fund Commentary - Make it stand out</image:title>
      <image:caption>FIVE YEAR ASSET CLASS RETURNS MATRIX (in rand terms)</image:caption>
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  <url>
    <loc>https://www.fleuriot.co.za/blog/monthly-update-dec-2022</loc>
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    <lastmod>2023-01-20</lastmod>
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      <image:title>Blog - December 2022 Update</image:title>
      <image:caption>Hi all,  Welcome to a very warm 2023! A new year, filled with new promises, and hope, and in spite of all the noise, there is much to be hopeful for! Our hope is that each of us has a strong year, filled with progress, healthy challenges for growth, and fun. We have some exciting developments on the horizon, so keep an eye out for that! For now, please enjoy the below from Brendan. Sending love, Richard and the F&amp;A team</image:caption>
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    <loc>https://www.fleuriot.co.za/blog/monthly-update-nov-2022</loc>
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    <lastmod>2023-12-12</lastmod>
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      <image:title>Blog - Year in Review &amp;amp; November 2022 Update - WISHING YOU A WONDERFUL HOLIDAY SEASON</image:title>
      <image:caption>For now, it is time to rest and restore ourselves. To eat and laugh and live! So from all of us at F&amp;A, we wish you and your loved ones a happy and peaceful Christmas!   Our offices will be closed from Friday 16 Dec until Monday 9 Jan. For urgent queries, please sms Richard, Branden, Candice, Audrey or Rachelle directly and we will get back to you asap.  Sending love Richard and the F&amp;A team</image:caption>
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    <loc>https://www.fleuriot.co.za/blog/monthly-update-oct-2022</loc>
    <changefreq>monthly</changefreq>
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    <lastmod>2022-11-22</lastmod>
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      <image:title>Blog - October 2022 Update - Make it stand out</image:title>
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      <image:title>Blog - October 2022 Update - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <loc>https://www.fleuriot.co.za/blog/q3-update-2022</loc>
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    <lastmod>2022-11-03</lastmod>
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      <image:title>Blog - Q3 2022 Update &amp;amp; Fund Commentary - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Blog - Q3 2022 Update &amp;amp; Fund Commentary - Make it stand out</image:title>
      <image:caption>FIVE YEAR ASSET CLASS RETURNS MATRIX (in rand terms)</image:caption>
    </image:image>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/fbfe1759-c1b5-4f21-a172-435e47808757/F%26A+-+LOCAL+Fund+Commentary+%28Q3+2022%29.jpg</image:loc>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <loc>https://www.fleuriot.co.za/blog/portfolio-rebalance-oct-2022</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-11-22</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/1629408351861-1LHPL38E9OAWXAR8TTBK/F%26A+Banner+%28Portfolio+Update%29+SMALL.jpg</image:loc>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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  <url>
    <loc>https://www.fleuriot.co.za/blog/fa-is-expanding</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-02-07</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/1666855189924-KWHI6C694SDBA14284ER/unsplash-image-KuI5bEhjvf4.jpg</image:loc>
      <image:title>Blog - Aligning Minds, Dreams &amp;amp; Efforts - Make it stand out</image:title>
      <image:caption>This piece is compiled by Richard Fleuriot, Managing Director &amp; Head of Wealth Creation</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/d8b25a60-80d6-462a-b145-01933f5505fb/IMG_8125+Large+CROPPED.jpg</image:loc>
      <image:title>Blog - Aligning Minds, Dreams &amp;amp; Efforts - Make it stand out</image:title>
      <image:caption>Ruth &amp; Branden, Andrea &amp; Richard</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/86075935-caa5-4c19-975d-359fc70fa815/2022+Branden+headshot+%28mailer%29.png</image:loc>
      <image:title>Blog - Aligning Minds, Dreams &amp;amp; Efforts - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/1666854250187-AI0E0PNNAOO0HDVYE7KS/IMG_9467+Large.jpeg</image:loc>
      <image:title>Blog - Aligning Minds, Dreams &amp;amp; Efforts - Make it stand out</image:title>
      <image:caption>Team Building</image:caption>
    </image:image>
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      <image:title>Blog - Aligning Minds, Dreams &amp;amp; Efforts - Make it stand out</image:title>
      <image:caption>Branden, Audrey, Rachelle, Candice &amp; Richard</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/1626209902124-JNC14EDET5FLY974SACA/HOLISTIC+WEALTH+MANAGEMENT+-+pexels-ekrulila-2418673.jpg</image:loc>
      <image:title>Blog - Aligning Minds, Dreams &amp;amp; Efforts - WHAT YOU CAN EXPECT FROM F&amp;A</image:title>
      <image:caption>1. A FRESH REVIEW DRIVE Both departments have been tasked with actively reviewing all existing client strategies over the next 6 months to make sure all setups are on point at our new standard. 2. MEET &amp; GREET EARLY NEXT YEAR An opportunity for everyone to meet the team and finally catch up once again post-covid. 3. IMPROVED COMMENTARY &amp; EDUCATIONAL PIECES A combination of economies of scale as well as me being freed up to write more (something I am targeting) will allow us to share more. We’ll be distributing through our mailing lists and social media channels so please sign up and like / subscribe. 4. REINVESTMENT • New team offices allowing warm and confidential meetings  • World class systems and software allowing the team and all stakeholders to work with and access us from anywhere   • Further upskilling and training of existing team members  • Further additions of highly skilled and value matching team members  • Improved mailers, social media content, educational and value added material</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>SOUTH AFRICAN SOLUTION (OCTOBER 2022) This piece is compiled by Brendan de Jongh (SA Head of Research, PortfolioMetrix) Markets have experienced a sharp pullback this year resulting in asset allocations across portfolios drifting away from their intended values. We believe that it would be appropriate to rebalance portfolios back to their strategic weights. Please click here for more information about the forthcoming changes.</image:caption>
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    <lastmod>2022-10-20</lastmod>
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      <image:caption>[1] Based on S&amp;P500 returns in USD over the last 42 years.</image:caption>
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      <image:caption>Managing Director &amp; Wealth Creation - Head of Advice Richard’s energy and dedication are the driving force behind F&amp;A. With a deep discomfort of the traditional financial planning ‘sales’ industry, he works ardently at bringing world-class financial advice, progressive thinking, and sustainable structures to the F&amp;A offering. His focus? Financial planning strategies that are efficient, risk-hedged and profitable.</image:caption>
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      <image:caption>Managing Director &amp; Wealth Creation - Head of Advice Richard’s energy and dedication are the driving force behind F&amp;A. With a deep discomfort of the traditional financial planning ‘sales’ industry, he works ardently at bringing world-class financial advice, progressive thinking, and sustainable structures to the F&amp;A offering. His focus? Financial planning strategies that are efficient, risk-hedged and profitable.</image:caption>
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      <image:caption>Implementation Specialist &amp; Office Manager Candice’s can-do attitude, energy, and commitment to looking after our clients has seen her be promoted to Office Manager. She works closely with all our clients throughout the advice process, making complex work easy to manage. Her key trait of connectedness drives her passion for helping our clients and protecting their needs.</image:caption>
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      <image:caption>Retired Founder of F&amp;A Pat is a gentleman and a scholar. Highly educated and experienced in his field, Pat holds two postgraduate degrees and has extensive experience in the financial services industry. He also has small business ownership experience, and has been involved in a number of NPO projects and boards. Pat’s call to serve comes from his deep-rooted beliefs and the longevity of many of Pat’s client relationships is testament to that.</image:caption>
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      <image:caption>Our Partner in Investment Constructing and maintaining investment portfolios requires skill and dedication. As part of our ongoing development, we have made a strategic decision to partner with PortfolioMetrix (PMX) - a specialist investment management firm. Using world class systems, PMX provides exclusive advisory and discretionary portfolio management services to independent financial advisers and private wealth managers, like us. They build and manage customised portfolios for our clients that maximise expected returns while mitigating risk.</image:caption>
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      <image:caption>Retired Founder of F&amp;A Pat is a gentleman and a scholar. Following a highly successful 30-year career in the financial services industry, including co-founding F&amp;A as we know it today, Pat officially retired in 2020. Pat can now be found walking or riding his bike with his mates, spending time with family, playing bridge, and helping at the local Rotary.</image:caption>
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      <image:title>Our Team - Branden Reineke</image:title>
      <image:caption>Financial Advisor &amp; Wealth Protection - Head of Advice Branden draws his energy and passion in ‘solving the puzzle’ that is Wealth Protection. With a view to move the industry away from the erroneous traditional sales driven advice model, he correctly stitches client wants and needs to the correct solutions, meeting both budget and cover requirements. No under- or over-insuring. With his sole focus on the individual, Branden works hard to mitigate or remove risks that could affect the wealth creation journey, offering world class, solution based, financial planning.</image:caption>
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      <image:caption>Wealth Protection - Executive Assistant &amp; Lead Admin on Medical Protection Audrey’s no-nonsense attitude, couple with her passion to protect &amp; enrich the client experience, makes her an integral part of the Wealth Protection team. In an industry full of ‘grey areas’ Audrey is to-the-point and she doesn’t accept half-answers. She is incredibly maternal - always protecting client interests. With over 35 years in the financial services industry, her wealth of knowledge and her unwavering drive and commitment brings great value to the team.</image:caption>
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      <image:caption>Wealth Protection - Executive Assistant &amp; Lead Admin on Risk Protection Ruth’s passion, loyalty, and meticulous attention to detail makes her a world class addition to the Wealth Protection team. With over 20 years experiences in the financial services industry, Rachelle has completed her NQF level 5 certificate in financial planning. Her deeply caring and empathetic nature enables her to work closely with our clients, and understanding their needs.</image:caption>
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      <image:caption>Wealth Protection - Executive Assistant &amp; Lead Admin on Risk Protection Rachelle’s passion, loyalty, and meticulous attention to detail makes her a world class addition to the Wealth Protection team. With over 20 years experiences in the financial services industry, Rachelle has completed her NQF level 5 certificate in financial planning. Her deeply caring and empathetic nature enables her to work closely with our clients, and understanding their needs.</image:caption>
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    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/1624448710036-R0524Q2WX4ZG4MKCRXT7/1+asset+%26+liability+management.png</image:loc>
      <image:title>Wealth Creation Services - Asset &amp; Liability Management</image:title>
      <image:caption>Our F&amp;A Balance Sheet Efficiency Audit is designed to make sure your assets and liabilities are performing optimally.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/1624448710051-FGEENFSXNK9JQEGRGJT1/2+income+management.png</image:loc>
      <image:title>Wealth Creation Services - Income Management</image:title>
      <image:caption>Align your earning potential to your objectives, while balancing your time and energy spends.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/1624448710642-T7Z75PAB3JOWOU3H5Y4Y/3+expense+management.png</image:loc>
      <image:title>Wealth Creation Services - Expense Management</image:title>
      <image:caption>The F&amp;A Budget Efficiency Audit ensures your spending habits are healthy and sustainable.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/1624448975091-QU16TKO44DQP2G3IUXRM/4+retirement+planning.png</image:loc>
      <image:title>Wealth Creation Services - Retirement Planning</image:title>
      <image:caption>Map and design a sustainable, flexible strategy, built on your beliefs, goals and setup.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/1624448711691-LI298UK9BP0J8C8V9FOW/5+withdrawal+strategy.png</image:loc>
      <image:title>Wealth Creation Services - Withdrawal Strategy</image:title>
      <image:caption>Cash Flow Model and stress test your designed setup to measure its likelihood of success and highlight concerns.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/1624448712937-Y7J5ATCPYE3GHSF0B39D/6+investment+management.png</image:loc>
      <image:title>Wealth Creation Services - Investment Management</image:title>
      <image:caption>Optimised and tailored investments to suit you, your goals, and the life you want to live.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.fleuriot.co.za/learning-centre</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2021-06-24</lastmod>
  </url>
  <url>
    <loc>https://www.fleuriot.co.za/tools</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2021-06-24</lastmod>
  </url>
  <url>
    <loc>https://www.fleuriot.co.za/fa-values</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2021-07-15</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/1625827334018-EWGJ0DFKGJ7J5TDVMR79/1+outsourced+solution.png</image:loc>
      <image:title>F&amp;A Values - Outsourced Solution</image:title>
      <image:caption>A fully-outsourced, fully-customisable solution, offering you the best in strategic thinking and service for your wealth management.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/1625827334018-EWGJ0DFKGJ7J5TDVMR79/1+outsourced+solution.png</image:loc>
      <image:title>F&amp;A Values - Outsourced Solution</image:title>
      <image:caption>A fully-outsourced, fully-customisable solution, offering you the best in strategic thinking and service for your wealth management.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/1625827333712-RUCGR5OUAF6QKI541OPG/2+world+class+advice.png</image:loc>
      <image:title>F&amp;A Values - World-Class Advice</image:title>
      <image:caption>F&amp;A taps into over 400 specialists worldwide to deliver a highly tuned &amp; bespoke solution to each of our clients.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/1625827354205-RMDDLXNPH9TOCUGLPJGC/3+global+team.png</image:loc>
      <image:title>F&amp;A Values - A Global Team</image:title>
      <image:caption>Our Support Specialists are not just local. Extensions of our team can be found all over the globe. Our offering includes direct offshore investments.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/1625827354907-EYC4BPSV1BQDWU8LVOLX/4+focus+on+value.png</image:loc>
      <image:title>F&amp;A Values - We Focus on Value</image:title>
      <image:caption>Neither F&amp;A nor any of our Support Specialists hold any shares in each others’ operations. This means that there is absolutely no conflict of interest for our clients.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.fleuriot.co.za/wealth-protection-services</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2022-06-09</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/1654769774104-4PUBUMKONSYSJBNE3THK/1+medical+aid+%26+gap+cover.png</image:loc>
      <image:title>Wealth Protection Services - Medical Aid &amp; Gap Cover</image:title>
      <image:caption>Design a Medical Aid and Gap Cover solution to look after you and your families every medical need</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/1654769774104-4PUBUMKONSYSJBNE3THK/1+medical+aid+%26+gap+cover.png</image:loc>
      <image:title>Wealth Protection Services - Medical Aid &amp; Gap Cover</image:title>
      <image:caption>Design a Medical Aid and Gap Cover solution to look after you and your families every medical need</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/1654769778307-QNXVPSPNQMMTT6IZJM39/2+car+%26+home+insurance.png</image:loc>
      <image:title>Wealth Protection Services - Car &amp; Home Insurance</image:title>
      <image:caption>Build a needs only risk-hedge to protect car and house from unseen setbacks</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/1654769785711-DA3ISIIWRNS89JP8T9CI/3+life+insurance.png</image:loc>
      <image:title>Wealth Protection Services - Life Insurance Management</image:title>
      <image:caption>Build a needs only risk-hedge to protect yourself and those dearest to you</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/1654769789130-3XQZJ0496I56OE0OFSYS/4+estate+planning.png</image:loc>
      <image:title>Wealth Protection Services - Estate Planning</image:title>
      <image:caption>An organised Will and Estate plan to leave your legacy and cater for those you love</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.fleuriot.co.za/life-changing-investment-managment</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2017-11-22</lastmod>
  </url>
  <url>
    <loc>https://www.fleuriot.co.za/cornerstone</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2016-07-19</lastmod>
  </url>
  <url>
    <loc>https://www.fleuriot.co.za/subscribe-commentaries</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2022-02-04</lastmod>
  </url>
  <url>
    <loc>https://www.fleuriot.co.za/media-kit</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2018-01-22</lastmod>
  </url>
  <url>
    <loc>https://www.fleuriot.co.za/2018-our-services</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2018-02-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/1518770052584-WVJ1N4LYL2DC5UHCL6IW/Affiliate+Logos+%28investments%29.jpg</image:loc>
      <image:title>2018 OUR SERVICES</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/1518770266384-A3CFI5DSLY4QIXCN36LJ/Affiliate+Logos+%28insurance%29.jpg</image:loc>
      <image:title>2018 OUR SERVICES</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.fleuriot.co.za/services</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2022-10-26</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/1614674111138-BE9E61CT25HATXKJ5XIX/image-asset.jpeg</image:loc>
      <image:title>Services</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/1626209902124-JNC14EDET5FLY974SACA/HOLISTIC+WEALTH+MANAGEMENT+-+pexels-ekrulila-2418673.jpg</image:loc>
      <image:title>Services - Holistic Wealth Management</image:title>
      <image:caption>A custom-built, outsourced solution that examines, balances, and optimises every detail of your current and desired setup. By driving efficiency and resilience to your entire personal financial setup, we remove stress from your desk and greatly improve your odds of long-term success!</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/ab66ee9d-043b-4e30-9c3e-7915e5b2feea/F%26A+Benefit+Table.png</image:loc>
      <image:title>Services - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.fleuriot.co.za/about</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2023-08-30</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/1614674214510-Q0Z5P3ABQT7Q4ER190DX/image-asset.jpeg</image:loc>
      <image:title>About</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.fleuriot.co.za/life-changing</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2024-07-12</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/1614673893157-ONNR5FMTF6OKPUK854DK/pexels-pok-rie-6361726+small.jpg</image:loc>
      <image:title>Life Changing</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/7682779a-3089-4184-91c4-96a7bb51ffc9/diagram+2.png</image:loc>
      <image:title>Life Changing</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.fleuriot.co.za/contact</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-05-28</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/1623791975794-X6ABSP18Z1JXN8SWUUJS/pexels-pok-rie-1426846+%28SMALL%29.jpg</image:loc>
      <image:title>Contact</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/1626301874688-GZ5057BX9H96Q8XC6IFX/F%26A+FAQ+Page+IMAGE+LINK.jpg</image:loc>
      <image:title>Contact - Check out our FAQ PAGE</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/1626302336018-MRTF8S5I2UVHEBQFW99P/F%26A+Services+IMAGE+LINK.jpg</image:loc>
      <image:title>Contact - LOOK OVER OUR SERVICE OFFERING</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/1626302187257-TOHZX0B4KGCXY6CW91Z4/F%26A+Blog+IMAGE+LINK.jpg</image:loc>
      <image:title>Contact - Browse our latest blog posts</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.fleuriot.co.za/working-with-us</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2021-07-15</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/1623745852010-WM4WJXBRRPA8WUD6OFPV/top-view-photo-of-rocky-shore-2307636+%28SMALL%29.jpg</image:loc>
      <image:title>Working with us</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/1623747932153-OCDUT4AE6MS6YKD5Q90Y/Process+1.jpg</image:loc>
      <image:title>Working with us - Discovery Meeting</image:title>
      <image:caption>A 1-hour meeting to get to know one another and make sure our expertise matches your needs. No cost or obligation. The purpose of this chat is to gain clarity on your goals, concerns, and unique financial situation. If we aren’t the right fit for you, we will make sure to introduce you to a team that is better suited to your needs.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/1623747954439-39TK5JI5KKDQYAWF0238/Process+2.jpg</image:loc>
      <image:title>Working with us - Our Analysis</image:title>
      <image:caption>Your free Balance Sheet and Budget Efficiency Audit will be guided by your answers to our questions, along with the documents you provide. We apply our expertise and understanding of who you are to analyse your situation and demonstrate how we answer three important questions for you: 1. Are you on track to reach your long-term goals? 2. Which areas are holding you back? 3. How can your investments be improved?</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/1623748286261-TVJMZM0DWSH7MPKMZH39/Process+3.jpg</image:loc>
      <image:title>Working with us - Recommendation Meeting</image:title>
      <image:caption>In this meeting we present your Efficiency Audit. You’ll see how our team will improve your finances. We’ll also leave plenty of time for you to ask any questions on your mind. If you are happy with the information we have provided and are ready for us to start working with you, we will discuss the next steps to formalising our relationship. Or if you are still unsure, we encourage you to take some time to think things over.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/1623749541190-YF39ERN7S18EZUL1KSKA/Process+4.jpg</image:loc>
      <image:title>Working with us - Think about it</image:title>
      <image:caption>We are focused on forming long-term client relationships. To that end, we want you to feel completely comfortable with your decision to partner with us, so it’s important that you take as much time as you need to make a decision. Prior to deciding whether we should work together, you’ll want to consider the following questions: 1. Do I like/trust/respect the F&amp;A team? 2. Will the benefits that F&amp;A provide exceed cost? 3. Do I understand &amp; agree with the F&amp;A investment philosophy? 4. Do F&amp;A’s recommendations make sense to me?</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/1623749499267-B03DOTM4VU1F54RSBXHT/Process+5.jpg</image:loc>
      <image:title>Working with us - Get Started Meeting</image:title>
      <image:caption>We will schedule this meeting if we mutually decide to work together! We will provide our Service Level Agreement for your review and signature and request additional personal information to get started. During this meeting, we will answer any additional questions you may have, engage in a deeper goal-setting exercise, review what you can expect from us as your strategic advice team, and outline the practical next steps of working together.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.fleuriot.co.za/feedback-form</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2024-05-17</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/1623321098105-LHLJW7AYIUFMFDUOO87X/top-view-photo-of-rocky-shore-2307636.jpg</image:loc>
      <image:title>Feedback Form 2021</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/424be1f1-3107-4922-9509-4e09bca0183c/Feedback+Questions.png</image:loc>
      <image:title>Feedback Form 2021 - 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.fleuriot.co.za/resources-all</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2021-07-21</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/1624479381171-QMAQ2Z5MJMUFAF0LYJ40/Resources+-+BLOG+copy.jpg</image:loc>
      <image:title>All Resources</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/1624479442169-O3UE0XW2IUPD3VG9GZW9/Resources+-+LEARNING+CENTRE+copy.jpg</image:loc>
      <image:title>All Resources - LEARNING CENTRE COMING SOON…</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/1624479422851-K8R08Q15NKRAZ9VJFYTN/Resources+-+TOOLS+copy.jpg</image:loc>
      <image:title>All Resources - ONLINE Tools &amp; Other Resources Coming soon…</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.fleuriot.co.za/pmx-explained-2021</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2021-06-21</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/1614673893157-ONNR5FMTF6OKPUK854DK/pexels-pok-rie-6361726+small.jpg</image:loc>
      <image:title>PMX explained 2021</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/1614603811001-USAW2BNL38Z5PNEHV19H/PortfolioMetrix+-+Investment+Partner.jpg</image:loc>
      <image:title>PMX explained 2021</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.fleuriot.co.za/discovery-meeting</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2021-07-15</lastmod>
  </url>
  <url>
    <loc>https://www.fleuriot.co.za/client-stories</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2021-07-09</lastmod>
  </url>
  <url>
    <loc>https://www.fleuriot.co.za/faqs</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2021-10-19</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/1626182178529-LK2C56IQIO5WALQWKO7C/CAPE+TOWN+pexels-adi-perets-4127164+small.jpg</image:loc>
      <image:title>FAQs</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.fleuriot.co.za/forms</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2021-08-10</lastmod>
  </url>
  <url>
    <loc>https://www.fleuriot.co.za/will-application-form</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2021-08-10</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/1628586532295-N96T4C4FHPU3DZSSK3JX/flowing-water-2869642+SMALL.jpg</image:loc>
      <image:title>Will Application</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.fleuriot.co.za/services-wp</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2024-07-11</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/518b81cee4b04c4fcf48d86e/1614674111138-BE9E61CT25HATXKJ5XIX/image-asset.jpeg</image:loc>
      <image:title>Services (incl Wealth Protection)</image:title>
    </image:image>
    <image:image>
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