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      <image:title>Mortgage Insurance</image:title>
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    <loc>https://firstwealthadvisors.ca/mortgageinsurance/2015/6/12/would-you-like-a-new-kind-of-mortgage-insurance</loc>
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      <image:title>Mortgage Insurance - A twist to Mortgage Insurance...</image:title>
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      <image:title>You built something worth protecting. Let's make sure it stays that way.</image:title>
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      <image:title>You built something worth protecting. Let's make sure it stays that way.</image:title>
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      <image:title>You built something worth protecting. Let's make sure it stays that way.</image:title>
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      <image:title>You built something worth protecting. Let's make sure it stays that way.</image:title>
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    <lastmod>2022-02-10</lastmod>
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      <image:title>Life Insurance: What do you believe?</image:title>
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      <image:title>Life Insurance: What do you believe?</image:title>
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    <lastmod>2020-03-10</lastmod>
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      <image:title>7 Facts To Become Unshakeable</image:title>
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      <image:title>Disability Insurance - Income Protection</image:title>
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      <image:title>Life insurance to fit your lifestyle</image:title>
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      <image:title>Life insurance to fit your lifestyle</image:title>
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      <image:title>Life insurance to fit your lifestyle</image:title>
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      <image:title>Confirmation</image:title>
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      <image:title>Confirmation</image:title>
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      <image:title>Confirmation</image:title>
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    <lastmod>2024-09-12</lastmod>
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      <image:title>Let's Talk: Schedule a Call</image:title>
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    <lastmod>2022-03-22</lastmod>
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      <image:title>One-Page Plan Download</image:title>
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      <image:title>One-Page Plan Download</image:title>
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    <lastmod>2022-02-14</lastmod>
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      <image:title>Uncertain/Scary/Frustrating Markets</image:title>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/557a4184e4b002c66e9ac499/1583770066597-U5V5F5OC3QN3VZTOHRCV/Why.jpg</image:loc>
      <image:title>Uncertain/Scary/Frustrating Markets</image:title>
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      <image:title>Uncertain/Scary/Frustrating Markets</image:title>
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      <image:title>Uncertain/Scary/Frustrating Markets</image:title>
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      <image:title>Uncertain/Scary/Frustrating Markets</image:title>
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    <image:image>
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      <image:title>Uncertain/Scary/Frustrating Markets</image:title>
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    <loc>https://firstwealthadvisors.ca/keyprinciples</loc>
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    <lastmod>2021-11-29</lastmod>
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      <image:title>Key Principles to Improve your odds of Success</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/557a4184e4b002c66e9ac499/2724c8d4-098f-434d-986c-efab7f44d4b1/ca-exhibit-1.png</image:loc>
      <image:title>Key Principles to Improve your odds of Success - Make it stand out</image:title>
      <image:caption>In CAD. Source: Dimensional, using data from Bloomberg LP. Includes primary and secondary exchange trading volume globally for equities. ETFs and funds are excluded. Daily averages were computed by calculating the trading volume of each stock daily as the closing price multiplied by shares traded that day. All such trading volume is summed up and divided by 252 as an approximate number of annual trading days.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/557a4184e4b002c66e9ac499/cf87588e-69f3-4e92-83f8-2ecd11b22dd0/ca-exhibit-2.png</image:loc>
      <image:title>Key Principles to Improve your odds of Success - Make it stand out</image:title>
      <image:caption>Mutual Fund Landscape 2021, Dimensional Fund Advisors. See Appendix for important details on the study. Past performance is no guarantee of future results.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/557a4184e4b002c66e9ac499/d08062ea-c4a5-43d5-ac06-ebc091675d58/ca-exhibit-3.png</image:loc>
      <image:title>Key Principles to Improve your odds of Success - Make it stand out</image:title>
      <image:caption>Mutual Fund Landscape 2021, Dimensional Fund Advisors. See Appendix for important details on the study. Past performance is no guarantee of future results.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/557a4184e4b002c66e9ac499/1abd1557-0cc3-412d-8b54-579a0199166d/ca-exhibit-4.png</image:loc>
      <image:title>Key Principles to Improve your odds of Success - Make it stand out</image:title>
      <image:caption>In CAD. World Equities is the MSCI World Index (gross dividends). Short-Term World Government Bonds is the FTSE World Government Bond Index 1 -5 Years (Hedged to CAD). Treasury Bills is the FTSE Canada 30-Day Treasury Bill Index. Canadian Inflation is measured as changes in the Canadian Consumer Price Index. MSCI data © MSCI 2021, all rights reserved. FTSE fixed income indices © 2021 by FTSE Fixed Income LLC. All rights reserved. Treasury Bills data provided by PC-Bond, a business unit of FTSE Global Debt Capital Markets Inc. All rights reserved. Canadian Inflation data is provided by the Bank of Canada. Past performance is no guarantee of future results.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/557a4184e4b002c66e9ac499/c15c2c7b-ebc9-474f-94d9-d863d1074036/exhibit-5_key-questions-for-the-long-term-investor.png</image:loc>
      <image:title>Key Principles to Improve your odds of Success - Make it stand out</image:title>
      <image:caption>Relative price is measured by the price-to-book ratio; value stocks are those with lower price-to-book ratios. Profitability is measured as operating income before depreciation and amortization minus interest expense scaled by book.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/557a4184e4b002c66e9ac499/e3780b62-d74b-4c8a-8239-10368b026f8a/ca-exhibit-6.png</image:loc>
      <image:title>Key Principles to Improve your odds of Success - Make it stand out</image:title>
      <image:caption>In CAD. Globally diversified portfolio is equally weighted with the following asset groups: Canadian (Large, Small, and Value); US (Large, Small, and Value); US Real Estate; and International (Large and Mid, Small, and Value). Annualized standard deviation is calculated by multiplying the standard deviation of monthly returns by the square root of 12. Date range selected for the model portfolios is the longest common time series of whole years of data available. Rebalanced quarterly. Index descriptions: Canadian Large Cap is the S&amp;P/TSX Composite Index. Canadian Small Cap is the MSCI Canada Small Cap Index (MSCI/Barra, gross dividends), January 1999–present, and Barra Canada Small Cap Index, December 1998 and before. Canadian Value is the MSCI Canada Value Index (gross dividends). US Large Cap is the S&amp;P 500 Index. US Small Cap is the CRSP 6–10 Index. US Value is the Russell 3000 Value Index. US Real Estate is the Dow Jones US Select REIT Index. International Large and Mid Cap is the MSCI EAFE Index (net dividends). International Small Cap is Dimensional International Small Cap Index. International Value is the MSCI EAFE Value Index (net dividends). S&amp;P/TSX data © 2021 S&amp;P Dow Jones Indices LLC, a division of S&amp;P Global. All rights reserved. MSCI data © MSCI 2021, all rights reserved. Canadian Barra data provided by MSCI Barra. S&amp;P data © 2021 S&amp;P Dow Jones Indices LLC, a division of S&amp;P Global. All rights reserved. CRSP data provided by the Center for Research in Security Prices, University of Chicago. Frank Russell Company is the source and owner of the trademarks, service marks, and copyrights related to the Russell Indexes. Dow Jones US Select data provided by Dow Jones Indices. Not to be construed as investment advice. Returns of model portfolios are based on backtested model allocation mixes designed with the benefit of hindsight and do not represent actual investment performance. International investing involves special risks, such as currency fluctuation and political instability. Investing in emerging markets may accentuate these risks.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/557a4184e4b002c66e9ac499/572ecfdb-e415-412c-8dc4-16d9cf44b837/ca-exhibit-7.png</image:loc>
      <image:title>Key Principles to Improve your odds of Success - Make it stand out</image:title>
      <image:caption>In CAD. Canadian Large Cap is the S&amp;P/TSX Composite Index. Canadian Value is the MSCI Canada IMI Value Index (gross dividends). US Large Cap is the S&amp;P 500 Index. US Value is the Russell 3000 Value Index. US Real Estate is the Dow Jones US Select REIT Index. International Large Cap is the MSCI EAFE Large Cap Index (gross dividends). International Value is the MSCI EAFE IMI Value Index (gross dividends). Emerging Markets is the MSCI Emerging Markets Index (gross dividends). Canadian Fixed Income is the FTSE Canada Universe Bond Index. S&amp;P/TSX data © 2021 S&amp;P Dow Jones Indices LLC, a division of S&amp;P Global. All rights reserved. MSCI data © MSCI 2021, all rights reserved. S&amp;P data © 2021 S&amp;P Dow Jones Indices LLC, a division of S&amp;P Global. All rights reserved. Frank Russell Company is the source and owner of the trademarks, service marks, and copyrights related to the Russell Indexes. Dow Jones US Select data provided by Dow Jones indices. FTSE data published with the permission of FTSE. Chart is for illustrative purposes only.</image:caption>
    </image:image>
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      <image:title>Key Principles to Improve your odds of Success - 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>Key Principles to Improve your odds of Success - 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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    <lastmod>2021-12-21</lastmod>
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    <lastmod>2026-03-04</lastmod>
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    <lastmod>2022-08-05</lastmod>
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      <image:title>Asset Map - Advice Starts Here</image:title>
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    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/557a4184e4b002c66e9ac499/ee3dbba2-322b-4272-8ad4-0b32d86b1276/202311_Process%2Bnot%2Bevent_unbranded.png</image:loc>
      <image:title>Fee Options and Disclosure - 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>
</urlset>

