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    <loc>https://www.dobbrickfinancialservices.com.au/insights-1-1/making-travel-part-of-your-financial-plan</loc>
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    <lastmod>2025-12-09</lastmod>
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      <image:title>Insights - Making travel part of your financial plan - Make it stand out</image:title>
      <image:caption>Japan in cherry blossom season</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5db8d1b2d2e92960a6d699ff/00e68e7b-a919-4f1d-afd1-f1b4b65e64c6/Including+travel+in+your+financial+plan.jpeg</image:loc>
      <image:title>Insights - Making travel part of your financial plan - Make it stand out</image:title>
      <image:caption>Petra: a unique bucket list destination</image:caption>
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    <loc>https://www.dobbrickfinancialservices.com.au/insights-1-1/making-the-most-out-of-a-life-changing-event-maximising-tpd-claims</loc>
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    <lastmod>2025-11-18</lastmod>
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    <loc>https://www.dobbrickfinancialservices.com.au/insights-1-1/changes-to-super-tax-what-will-it-mean-for-you</loc>
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    <priority>0.5</priority>
    <lastmod>2025-10-14</lastmod>
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    <loc>https://www.dobbrickfinancialservices.com.au/insights-1-1/downsizing-the-pros-and-cons</loc>
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    <priority>0.5</priority>
    <lastmod>2025-09-17</lastmod>
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    <loc>https://www.dobbrickfinancialservices.com.au/insights-1-1/maximising-cash-flow-after-youve-paid-your-mortgage</loc>
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    <priority>0.5</priority>
    <lastmod>2025-08-25</lastmod>
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      <image:title>Insights - Maximising cash flow after you’ve paid your mortgage - ADVISER INSIGHT</image:title>
      <image:caption>Paul Korst is a Senior Financial Planner in the Ipswich office. With over 20 years in the financial services industry, he brings a wealth of practical knowledge. Paul takes great pride in helping his clients live their best lives. He believes that financial discipline is the building block for creating financial independence. Quoting former Navy SEAL and now author, Jocko Willink, Paul shares his philosophy that we can achieve freedom through discipline. “While discipline and freedom seem like they sit on opposite sides of the spectrum, in fact, they are very connected. Freedom is what everyone wants - to be able to act and live with freedom. But the only way to get to a place of freedom is through discipline. If you want financial freedom, you must have financial discipline.” We spoke with Paul about his thoughts on maximising the benefits of surplus cash flow.</image:caption>
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    <loc>https://www.dobbrickfinancialservices.com.au/insights-1-1/financial-planning-for-your-final-years</loc>
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    <priority>0.5</priority>
    <lastmod>2025-07-22</lastmod>
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  <url>
    <loc>https://www.dobbrickfinancialservices.com.au/insights-1-1/sharing-your-financial-legacy-while-youre-still-alive</loc>
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    <priority>0.5</priority>
    <lastmod>2025-06-18</lastmod>
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  <url>
    <loc>https://www.dobbrickfinancialservices.com.au/insights-1-1/why-you-need-to-re-jig-your-financial-plan-when-circumstances-change</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-05-28</lastmod>
  </url>
  <url>
    <loc>https://www.dobbrickfinancialservices.com.au/insights-1-1/tips-for-reducing-tax-this-year</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-04-22</lastmod>
  </url>
  <url>
    <loc>https://www.dobbrickfinancialservices.com.au/insights-1-1/the-federal-governments-pre-election-budget-what-you-need-to-know</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-03-27</lastmod>
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  <url>
    <loc>https://www.dobbrickfinancialservices.com.au/insights-1-1/investing-in-turbulent-times</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-03-20</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5db8d1b2d2e92960a6d699ff/1742365788557-EL86V3HY1KZGV4A0N2U3/Paul+D+portrait+BW.jpg</image:loc>
      <image:title>Insights - Investing in turbulent times</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5db8d1b2d2e92960a6d699ff/1742365851348-PUDC7J3F8VGU1HD0OS14/Megan+Hodge+head+shot+B+%26+W.jpg</image:loc>
      <image:title>Insights - Investing in turbulent times</image:title>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5db8d1b2d2e92960a6d699ff/1742365882150-8WYBFH4QZAAJ8Y5BEUM1/Ryan+portrait+BW.jpg</image:loc>
      <image:title>Insights - Investing in turbulent times</image:title>
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      <image:title>Insights - Investing in turbulent times</image:title>
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      <image:title>Insights - Investing in turbulent times - 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.dobbrickfinancialservices.com.au/insights-1-1/trumps-trade-wars-consequences-for-investors-and-australia</loc>
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    <priority>0.5</priority>
    <lastmod>2025-02-14</lastmod>
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  <url>
    <loc>https://www.dobbrickfinancialservices.com.au/insights-1-1/six-tips-to-get-your-financial-foundations-right</loc>
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    <priority>0.5</priority>
    <lastmod>2025-01-15</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5db8d1b2d2e92960a6d699ff/e018ba14-2641-43a1-8cfe-c9a2c4931203/Super+and+wealth+creation.jpg</image:loc>
      <image:title>Insights - Six tips to get your financial foundations right - 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.dobbrickfinancialservices.com.au/insights-1-1/say-goodbye-to-financial-procrastination-in-2025</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-12-16</lastmod>
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  <url>
    <loc>https://www.dobbrickfinancialservices.com.au/insights-1-1/saving-versus-investing-know-the-difference</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-11-13</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5db8d1b2d2e92960a6d699ff/5d68ebbb-7ead-456e-b20f-097029d04658/Saving+for+short+term+goals.jpg</image:loc>
      <image:title>Insights - Saving versus investing: know the difference - Make it stand out</image:title>
      <image:caption>Saving is great for short-term bigger ticket items</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5db8d1b2d2e92960a6d699ff/0ce67f9c-0389-4a9f-9768-3683deca97ba/Investing+is+good+for+building+wealth.jpg</image:loc>
      <image:title>Insights - Saving versus investing: know the difference - Make it stand out</image:title>
      <image:caption>Investing can be a wealth creation strategy</image:caption>
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  <url>
    <loc>https://www.dobbrickfinancialservices.com.au/insights-1-1/understand-your-options-before-you-make-a-total-and-permanent-disablement-withdrawal</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-10-22</lastmod>
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  <url>
    <loc>https://www.dobbrickfinancialservices.com.au/insights-1-1/womens-retirement-savings-addressing-the-shortfall</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-09-10</lastmod>
  </url>
  <url>
    <loc>https://www.dobbrickfinancialservices.com.au/insights-1-1/share-market-volatility-dont-panic</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-08-21</lastmod>
  </url>
  <url>
    <loc>https://www.dobbrickfinancialservices.com.au/insights-1-1/financial-setbacks-a-story-of-recovery</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-07-07</lastmod>
  </url>
  <url>
    <loc>https://www.dobbrickfinancialservices.com.au/insights-1-1/cost-of-living-relief-to-taxpayers-how-to-optimise-savings</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-06-30</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5db8d1b2d2e92960a6d699ff/e8bf5426-091f-4803-8d5b-e9ceff81c182/Tax+changes+2024.jpg</image:loc>
      <image:title>Insights - Cost of living relief to taxpayers: how to optimise savings - 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>
  <url>
    <loc>https://www.dobbrickfinancialservices.com.au/insights-1-1/federal-budget-20242025-what-does-it-mean-for-you</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-15</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5db8d1b2d2e92960a6d699ff/74bd06b6-e403-47a7-8450-ed5bdc508545/Screen+Shot+2024-05-15+at+11.52.20+am.jpg</image:loc>
      <image:title>Insights - Federal Budget 2024/2025: What does it mean for you? - 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/v1/5db8d1b2d2e92960a6d699ff/75ff5dc9-42bd-4dc7-87e3-04d384305c4d/Cost+of+living.jpg</image:loc>
      <image:title>Insights - Federal Budget 2024/2025: What does it mean for you? - 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.dobbrickfinancialservices.com.au/insights-1-1/5-smart-super-strategies-for-end-of-financial-year</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-17</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5db8d1b2d2e92960a6d699ff/6ba9bd60-5ae5-4e4e-88c2-f341e3b400a9/Add+to+your+super+and+get+a+tax+saving.jpg</image:loc>
      <image:title>Insights - 5 smart super strategies for end of financial year - 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/v1/5db8d1b2d2e92960a6d699ff/7e2a069f-9358-4223-bdf3-634c437d9e1a/Convert+your+savings+into+super+savings.jpg</image:loc>
      <image:title>Insights - 5 smart super strategies for end of financial year - 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.dobbrickfinancialservices.com.au/insights-1-1/2024-scam-alert-beware-of-these</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-02-14</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5db8d1b2d2e92960a6d699ff/5c453479-8a70-4bf7-8b39-a97f7bd96e5c/AI+voice+impersonation+scams.jpg</image:loc>
      <image:title>Insights - 2024 Scam alert: beware of these! - 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/v1/5db8d1b2d2e92960a6d699ff/f4312719-aee0-4432-a7f6-bd6be64b0037/Remote+access+scams.jpg</image:loc>
      <image:title>Insights - 2024 Scam alert: beware of these! - 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.dobbrickfinancialservices.com.au/insights-1-1/5-financial-new-year-resolutions</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-12-31</lastmod>
  </url>
  <url>
    <loc>https://www.dobbrickfinancialservices.com.au/insights-1-1/should-i-pay-off-the-mortgage-or-boost-my-super</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-12-06</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5db8d1b2d2e92960a6d699ff/29af91e6-46b7-4ac4-ac69-06e228483c20/Additional+super+contributions+vs+extra+loan+repayments.jpg</image:loc>
      <image:title>Insights - Should I pay off the mortgage or boost my super? - 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.dobbrickfinancialservices.com.au/insights-1-1/what-to-expect-when-you-see-a-financial-planner</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-10-16</lastmod>
  </url>
  <url>
    <loc>https://www.dobbrickfinancialservices.com.au/insights-1-1/are-you-feeling-inspired-by-your-financial-plan</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-09-26</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5db8d1b2d2e92960a6d699ff/7c41e5c1-f2e9-4052-815d-4a93cec3b4f6/Retirement+dreams2.jpg</image:loc>
      <image:title>Insights - Are you feeling inspired by your financial plan? - 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/v1/5db8d1b2d2e92960a6d699ff/1e5f5d67-10cf-4bfa-8eb7-4f8bc0c4d366/Retirement+lifestyle.jpg</image:loc>
      <image:title>Insights - Are you feeling inspired by your financial plan? - 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/v1/5db8d1b2d2e92960a6d699ff/07a109c6-8631-4a2d-93fa-a90ac1d66f6b/Financial+freedom.jpg</image:loc>
      <image:title>Insights - Are you feeling inspired by your financial plan? - 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/v1/5db8d1b2d2e92960a6d699ff/813c1d96-4fbc-4805-a22f-69fc90dfbc09/Ethical+investing23.jpg</image:loc>
      <image:title>Insights - Are you feeling inspired by your financial plan? - Make it stand out</image:title>
    </image:image>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5db8d1b2d2e92960a6d699ff/76502d7e-a7b9-4f45-bb77-2576bafdc2e2/Financial+goals.jpg</image:loc>
      <image:title>Insights - Are you feeling inspired by your financial plan? - 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.dobbrickfinancialservices.com.au/insights-1-1/finding-the-right-strategy-to-grow-your-wealth</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-08-17</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5db8d1b2d2e92960a6d699ff/0493f99a-6e00-41bf-a9e9-b5d64fab671c/Why+you+should+consider+an+investment+bond.jpg</image:loc>
      <image:title>Insights - Finding the right strategy to grow your wealth - 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/v1/5db8d1b2d2e92960a6d699ff/8ce720fe-39ec-4696-a555-b6b3c3eec18a/Invest+for+your+childrens+future.jpg</image:loc>
      <image:title>Insights - Finding the right strategy to grow your wealth - 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/v1/5db8d1b2d2e92960a6d699ff/b6d765ef-eb58-4dfd-b70c-b38369e4269d/Growing+your+wealth.jpg</image:loc>
      <image:title>Insights - Finding the right strategy to grow your wealth - the projections in this article are based on the following assumptions</image:title>
      <image:caption>• 47% marginal tax rate for individuals • 2% annual before tax return on cash account • High Growth Portfolio selected for kids’ investments ($5K) • Growth Portfolio selected for adults’ investment ($50K) • Total annual after-tax investment return of investment bond ($50K) – 6.58% • Total annual after-tax investment return of investment bond – 8.61% • Investment bond returns have been provided by the investment bond issuer. • 0.67% fee on both investment bond (includes admin &amp; investment fees) Past performance is not an indicator for future returns.</image:caption>
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    <loc>https://www.dobbrickfinancialservices.com.au/insights-1-1/why-its-important-to-review-your-financial-plan</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-07-20</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5db8d1b2d2e92960a6d699ff/54205ad4-08a9-4580-80e4-856e9af8b096/Poor+super+performance.jpg</image:loc>
      <image:title>Insights - Why it’s important to review your financial plan - 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/v1/5db8d1b2d2e92960a6d699ff/e0d18b6c-275b-4e8c-9272-b7202bcf323d/Inappropriate+insurance.jpg</image:loc>
      <image:title>Insights - Why it’s important to review your financial plan - 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/v1/5db8d1b2d2e92960a6d699ff/972f668b-b899-4a8c-bb5b-4033be53a7bd/Debt.jpg</image:loc>
      <image:title>Insights - Why it’s important to review your financial plan - 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/v1/5db8d1b2d2e92960a6d699ff/d6e20865-f5e8-4d0b-8191-9313960b5385/Poor+cash+flow.jpg</image:loc>
      <image:title>Insights - Why it’s important to review your financial plan - 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.dobbrickfinancialservices.com.au/insights-1-1/you-may-be-able-to-retire-earlier-than-you-think</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-07-14</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5db8d1b2d2e92960a6d699ff/262ed8e2-5893-4366-bad9-fa55b61c0894/Paul+D+portrait+BW.jpg</image:loc>
      <image:title>Insights - You may be able to retire earlier than you think - ADVISER INSIGHT: Paul Dobbrick</image:title>
      <image:caption>Paul is a Director and Financial Adviser in the Gympie office. He genuinely cares about the impact good planning can have on his clients’ lives. Paul’s areas of specialist expertise include personal investment planning, self-managed superannuation, direct equities, gearing, personal risk management and retirement planning. He believes his job is to help alleviate the worry associated with getting your financial affairs in order. We spoke to Paul about how he helped a couple retire earlier than they thought would be possible.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.dobbrickfinancialservices.com.au/insights-1-1/how-to-make-the-most-of-tax-time</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-05-22</lastmod>
  </url>
  <url>
    <loc>https://www.dobbrickfinancialservices.com.au/insights-1-1/budget-addresses-cost-of-living-and-economic-challenges</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-05-10</lastmod>
  </url>
  <url>
    <loc>https://www.dobbrickfinancialservices.com.au/insights-1-1/how-to-set-yourself-up-for-retirement</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-05-05</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5db8d1b2d2e92960a6d699ff/7128de3d-9b47-4a7a-807a-36675aa177bf/Nat+portrait+BW.jpg</image:loc>
      <image:title>Insights - How to set yourself up for retirement - ADVISER INSIGHT: NAT WEBB</image:title>
      <image:caption>Nat Webb is a Principal and Financial Planner in the Ipswich office. Nat forms great relationships with his clients and provides a trusting and safe space to get you on track. One of Nat’s special interests is setting people up for retirement. He loves to uncover financial opportunities and to see his clients achieve financial milestones. We spoke to Nat about his top tips for anyone starting to think about retirement.</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5db8d1b2d2e92960a6d699ff/467c120d-a9c4-4632-a41a-d7bab781a61b/Create+a+vision+for+retirement.jpg</image:loc>
      <image:title>Insights - How to set yourself up for retirement - Make it stand out</image:title>
      <image:caption>Be clear on what you want to do in retirement</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5db8d1b2d2e92960a6d699ff/193155f1-9ad1-46d1-8eb1-9b20ac4fb43a/optimise+your+surplus+money.jpg</image:loc>
      <image:title>Insights - How to set yourself up for retirement - Make it stand out</image:title>
      <image:caption>Make your surplus money work harder</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5db8d1b2d2e92960a6d699ff/dc9d268b-a685-4823-97e1-ef0fb688ab84/Review+your+investement+strategy.jpg</image:loc>
      <image:title>Insights - How to set yourself up for retirement - Make it stand out</image:title>
      <image:caption>Talk to your adviser about your investment strategy</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5db8d1b2d2e92960a6d699ff/c14132e7-c7de-4fe3-8b6d-2a778f65bb03/Transition+to+retirement1.jpg</image:loc>
      <image:title>Insights - How to set yourself up for retirement - Make it stand out</image:title>
      <image:caption>Get used to working less before launching into full retirement</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.dobbrickfinancialservices.com.au/insights-1-1/mastering-your-money-a-ticket-to-freedom</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-03-27</lastmod>
  </url>
  <url>
    <loc>https://www.dobbrickfinancialservices.com.au/insights-1-1/supporting-the-fortnum-foundation-march-2023-update</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-03-24</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5db8d1b2d2e92960a6d699ff/3bed2614-0a45-4045-ad79-35ccad3a8f7d/Cents+for+seeds.jpg</image:loc>
      <image:title>Insights - SUPPORTING THE FORTNUM FOUNDATION: MARCH 2023 UPDATE - CENTS FOR SEEDS</image:title>
      <image:caption>Cents for Seeds is a micro-loan project in northern Uganda. Uganda is home to some of the most fertile land in the world. However, in the years following the war, the people did not have anything to farm with - enter, Cents for Seeds. Beginning in 2010 with just 100 women, Cents for Seeds reached 19,000 women, with 2,551 women graduated from 3 sub-counties. Reverse distribution of seeds has now been completed in 33 parishes in the districts of Lira, Alebtong and Otuke. The team in Uganda is now assessing the quantity and quality of seeds available for distribution in March and are undertaking registration of the women joining the program this year, including 1,500 new women.</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5db8d1b2d2e92960a6d699ff/ac768be1-6cfd-4ce1-806e-1e028861ba51/Kristina+Health+Centre.jpg</image:loc>
      <image:title>Insights - SUPPORTING THE FORTNUM FOUNDATION: MARCH 2023 UPDATE - tHE Kristina Health Centre</image:title>
      <image:caption>The Kristina Health Centre was officially opened in August 2012. The clinic has been treating the local community with some patients travelling up to 50 kms in one day on foot to reach the health centre. Kristina provides maternity services, primary medical care including triage and appropriate treatment, disease testing, inoculation, medication dispensing and education. The most common illnesses are malaria, typhoid, cough and flu, pneumonia and other serious conditions including internal organ issues requiring referral to Lira Regional Hospital. Last month 681 patients attended KHC. 23 new babies were born to kick off 2023! 168 women accessed maternity, antenatal and postnatal care, and 94 patients accessed ultrasound services. Thanks to the support of the Fortnum Foundation and others they can ensure these essential services are available when the community needs them most.</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5db8d1b2d2e92960a6d699ff/d6fecf5b-af6f-4e9e-900b-1a98a5a358d3/The+Mother+Run.png</image:loc>
      <image:title>Insights - SUPPORTING THE FORTNUM FOUNDATION: MARCH 2023 UPDATE - THE MOTHER RUN</image:title>
      <image:caption>Every day in Uganda, 15 women die due to complications related to pregnancy and childbirth. For the 3rd year running, The Mother Run is happening in May to bring accessible maternal health care to women in remote northern Uganda. Your 5km a day - moving however you like - will contribute to fundraising for vital pieces of equipment and services at Kristina Health Centre. You will be helping to ensure women have access to safe birth and maternity care. May 1 - May 31, 2023 You can sign up here.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.dobbrickfinancialservices.com.au/insights-1-1/how-a-financial-plan-can-change-your-life</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-02-27</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5db8d1b2d2e92960a6d699ff/07f5a584-d1a8-4a2f-b432-9ccefffd92f3/How+a+financial+plan+can+change+your+life+4.jpg</image:loc>
      <image:title>Insights - How a financial plan can change your life - 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/v1/5db8d1b2d2e92960a6d699ff/137292e2-e6f7-4373-a743-bf92f47526a9/How+a+financial+plan+can+save+your+life+2.jpg</image:loc>
      <image:title>Insights - How a financial plan can change your life - More time to pursue hobbies or learn something new</image:title>
      <image:caption>Financial security can provide you with access to more time as well as funds to pursue other interests. Maybe you have always wanted to learn to paint. Perhaps you would like to study again. Learning new things and meeting new people who share common interests can enrich your life in ways you may never have imagined – because you have been too busy working. The other great benefit of a financial adviser is that they do all the hard work for you such as researching investments and attending to pesky paperwork. In the meantime, you can go and play golf!</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5db8d1b2d2e92960a6d699ff/12709b07-cf3c-4cef-991d-835a09242a1e/How+a+financial+plan+can+change+your+life+3.jpg</image:loc>
      <image:title>Insights - How a financial plan can change your life - 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.dobbrickfinancialservices.com.au/insights-1-1/i3g5v845h5cn2q4k3uphhd3m4xr5q0</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-02-14</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5db8d1b2d2e92960a6d699ff/802a9e68-470d-4e10-883a-3e369e7ba36a/Megan+Hodge+head+shot+colour.jpg</image:loc>
      <image:title>Insights - 5 tips if you want to build your wealth - Adviser Insight: Megan Hodge</image:title>
      <image:caption>Megan Hodge is a financial planner at the Ipswich office. She is passionate about educating her clients and helping them to feel empowered around money. Clients love Megan for her approachable manner – no question is too silly, and she understands that money matters can be daunting. We asked Megan to share her tips for building wealth. Here’s what she had to say:</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.dobbrickfinancialservices.com.au/insights-1-1/economic-outlook-february-2023</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-02-14</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5db8d1b2d2e92960a6d699ff/49f3a176-19b0-4308-a3b7-51269b2190a4/Screen+Shot+2023-01-30+at+3.29.51+pm.png</image:loc>
      <image:title>Insights - Economic outlook: February 2023 - Make it stand out</image:title>
      <image:caption>Source: JP Morgan Business Leaders Outlook survey</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.dobbrickfinancialservices.com.au/insights-1-1/5-financial-new-year-resolutions-for-2023</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-12-21</lastmod>
  </url>
  <url>
    <loc>https://www.dobbrickfinancialservices.com.au/insights-1-1/commonwealthseniorshealthcardmoreaccessible-b7lk4</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-02-09</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5db8d1b2d2e92960a6d699ff/2edf8aee-1391-42ec-9853-7bd748de9a2f/Downsizer+legislation.jpg</image:loc>
      <image:title>Insights - Popular Commonwealth Seniors' Health Card now more accessible - Make it stand out</image:title>
      <image:caption>Reduced age limits for downsizer contributions</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.dobbrickfinancialservices.com.au/insights-1-1/what-is-inflation-and-how-does-it-affect-me</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-09-27</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5db8d1b2d2e92960a6d699ff/3b565ac7-e828-4b15-a8f7-d267bafaef10/How+is+inflation+measured+in+Australia%3F.jpg</image:loc>
      <image:title>Insights - What is inflation and how does it affect me? - Make it stand out</image:title>
      <image:caption>A key indicator of inflation in Australia is the Consumer Price Index (CPI), which is the measure of different categories of household expenditure. This is calculated by the Australian Bureau of Statistics (ABS).</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5db8d1b2d2e92960a6d699ff/651e062c-435a-43d3-a6b7-e6f48cbf17c7/Mortgages+are+costing+more.jpg</image:loc>
      <image:title>Insights - What is inflation and how does it affect me? - Make it stand out</image:title>
      <image:caption>Interest rates have increased from .1% to 2.35%</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5db8d1b2d2e92960a6d699ff/a6dbc3b3-f394-4f84-9b24-40c688434e18/goods+and+services+going+up.jpg</image:loc>
      <image:title>Insights - What is inflation and how does it affect me? - Make it stand out</image:title>
      <image:caption>The cost of living is increasing in this environment. The RBA’s inflation calculator can be a handy tool for gauging how much general expenses are going up.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.dobbrickfinancialservices.com.au/insights-1-1/market-update-1</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-02-09</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5db8d1b2d2e92960a6d699ff/c1c1d131-8754-4d98-8c1d-5cb59c6e953d/Diversity+in+investing.jpg</image:loc>
      <image:title>Insights - Market Update - sept 2022 - Make it stand out</image:title>
      <image:caption>Don’t put all of your eggs in one basket.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5db8d1b2d2e92960a6d699ff/996e0191-40b0-431f-9e98-b76b675d19dd/Take+the+emotion+out+of+investing.jpg</image:loc>
      <image:title>Insights - Market Update - sept 2022 - Make it stand out</image:title>
      <image:caption>Take the emotion out of investing.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5db8d1b2d2e92960a6d699ff/2dd8b29d-5a9d-439f-92c1-d8bba1fcdd83/meeting+room+landscape.jpg</image:loc>
      <image:title>Insights - Market Update - sept 2022 - Make it stand out</image:title>
      <image:caption>We are always working for you.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.dobbrickfinancialservices.com.au/insights-1-1/how-do-you-plan-for-the-increased-cost-of-living-in-retirement</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-09-11</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5db8d1b2d2e92960a6d699ff/1c4ff8ad-1046-4098-8183-3d1515514f61/ASFA+comfortable+retirement+standard+2022.png</image:loc>
      <image:title>Insights - How do you plan for the increased cost of living in retirement? - 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.dobbrickfinancialservices.com.au/insights-1-1/podcast-the-importance-of-communication-in-managing-risk</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-08-25</lastmod>
  </url>
  <url>
    <loc>https://www.dobbrickfinancialservices.com.au/insights-1-1/new-super-laws-opportunities-for-older-australians-and-first-home-buyers</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-02-09</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5db8d1b2d2e92960a6d699ff/c55bab5c-3074-4941-b8ee-227b2d5d28fd/Screen+Shot+2022-08-16+at+3.58.23+pm.png</image:loc>
      <image:title>Insights - New super laws: opportunities for older Australians and first home buyers - Make it stand out</image:title>
      <image:caption>If you are in this age bracket you will be able to make or receive non-concessional superannuation contributions (after tax contributions) or salary sacrificed contributions without meeting the work test, subject to existing contribution caps. You will also be able to access the non-concessional bring forward arrangement, subject to meeting the relevant eligibility criteria. For example, you may be 70 years old and not worked or contributed to superannuation for many years. You sell an investment property in August 2022 for $450,000. Under the old rules, you were ineligible to contribute to superannuation. You are now able to contribute up to $110,000 into superannuation. for a single financial year however can also access the bring</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5db8d1b2d2e92960a6d699ff/190f26df-28a5-4ae4-b6d1-f5cb6a6a94b8/Increased+contribution+limits+aged+67+-+74.png</image:loc>
      <image:title>Insights - New super laws: opportunities for older Australians and first home buyers - 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/v1/5db8d1b2d2e92960a6d699ff/c05edbdb-a076-40b2-9b0a-e3fbc02042d6/Downsizer+super+opportunties+2022.png</image:loc>
      <image:title>Insights - New super laws: opportunities for older Australians and first home buyers - 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/v1/5db8d1b2d2e92960a6d699ff/7c63d889-0fdb-46f1-b30b-17a4f112484b/first+home+buyers+super+opportunities.jpg</image:loc>
      <image:title>Insights - New super laws: opportunities for older Australians and first home buyers - 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.dobbrickfinancialservices.com.au/insights-1-1/thinking-of-retiring-5-things-your-financial-adviser-will-ask-you</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-08-25</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5db8d1b2d2e92960a6d699ff/7438276e-90b1-4b2d-bb47-79173dcbd8d0/Whats+on+your+retirement+bucket+list%3F.jpg</image:loc>
      <image:title>Insights - Thinking of retiring? 5 things your financial adviser will ask you - 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.dobbrickfinancialservices.com.au/insights-1-1/what-is-ethical-investing</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-02-09</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5db8d1b2d2e92960a6d699ff/7daf4945-9192-4b0e-82d3-f4328737c893/Ethical+investing.jpg</image:loc>
      <image:title>Insights - What is ethical investing? - Make it stand out</image:title>
      <image:caption>Businesses that are making a positive impact are being supported by ethical investors</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.dobbrickfinancialservices.com.au/insights-1-1/6-financial-moves-to-make-in-your-40s</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-02-09</lastmod>
  </url>
  <url>
    <loc>https://www.dobbrickfinancialservices.com.au/insights-1-1/2022-year-end-tax-planning-tips</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-02-09</lastmod>
  </url>
  <url>
    <loc>https://www.dobbrickfinancialservices.com.au/insights-1-1/interest-rates-are-on-the-rise-what-does-it-mean-for-you</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-05-04</lastmod>
  </url>
  <url>
    <loc>https://www.dobbrickfinancialservices.com.au/insights-1-1/how-much-money-do-i-need-for-a-comfortable-retirement</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-02-09</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5db8d1b2d2e92960a6d699ff/72597ff1-ec2c-4b5c-ac3b-27a7379fac29/ASFA+Comfortable+Retirement+Standard.png</image:loc>
      <image:title>Insights - How much money do I need for a comfortable retirement? - 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>
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      <image:title>Home - Why Choose Dobbrick Financial Services?</image:title>
      <image:caption>When you choose Dobbrick Financial Services you choose a down-to-earth team of advisers, focused on cutting through the complexity to help you be your financial best.</image:caption>
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      <image:title>Home - When you choose Dobbrick Financial Services you choose a down-to-earth team of advisers, focused on cutting through the complexity to help you be your financial best.</image:title>
      <image:caption>When you choose Dobbrick Financial Services you choose a down-to-earth team of advisers, focused on cutting through the complexity to help you be your financial best.</image:caption>
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      <image:caption>When you choose Dobbrick Financial Services you choose a down-to-earth team of advisers, focused on cutting through the complexity to help you be your financial best.</image:caption>
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      <image:title>Home - Why choose Dobbrick Financial Services?</image:title>
      <image:caption>When you choose Dobbrick Financial Services you choose a down-to-earth team of advisers, focused on cutting through the complexity to help you be your financial best.</image:caption>
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      <image:caption>When you choose Dobbrick Financial Services you choose a down-to-earth team of advisers, focused on cutting through the complexity to help you be your financial best.</image:caption>
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      <image:title>Home - Paul Dobbrick - award-winning financial advisor from Gympie</image:title>
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      <image:title>Home - We take your best interests to heart because, at Dobbrick Financial Services, we are all family.</image:title>
      <image:caption>When you choose Dobbrick Financial Services you choose a down-to-earth team of advisers, focused on cutting through the complexity to help you be your financial best.</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5db8d1b2d2e92960a6d699ff/1603690571953-1P3JJOIK33WPN9LYLEFJ/DobbrickIpswich-00052-PH__0059.jpg</image:loc>
      <image:title>Home - We’re about getting the job done. You can trust us to do what we say.</image:title>
      <image:caption>The Dobbrick family has been providing financial planning solutions to Queenslanders for 50 years and was founded by Ross and David Dobbrick. The next generation, Paul and Ryan are proud to continue the Dobbrick legacy of providing quality, personalised financial advice. The team also includes other expert advisers, Nat Webb and Dan Robertson.</image:caption>
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    <lastmod>2021-05-20</lastmod>
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      <image:caption>Click here to read our Google Reviews</image:caption>
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    <loc>https://www.dobbrickfinancialservices.com.au/financial-adviser-gympie</loc>
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    <lastmod>2025-07-19</lastmod>
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      <image:title>Our Gympie Team</image:title>
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      <image:title>Our Gympie Team - PAUL DOBBRICK</image:title>
      <image:caption>PAUL DOBBRICK Director and Financial Planner “Clients give us the honour of looking after their financial lives. It is up to us to match that trust and produce a good outcome.” Read more &gt;</image:caption>
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      <image:title>Our Gympie Team - JACQUI ANDERSOn</image:title>
      <image:caption>JACQUI ANDERSON Client Service &amp; Project Manager</image:caption>
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      <image:title>Our Gympie Team - BEATE STENNER</image:title>
      <image:caption>BEATE STENNER Project Manager</image:caption>
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      <image:title>Our Gympie Team - HANNELORE VANDAMME</image:title>
      <image:caption>HANNELORE VANDAMME Paraplanner</image:caption>
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      <image:title>Our Gympie Team - DEE PONTIFEX</image:title>
      <image:caption>DEE PONTIFEX Client Service</image:caption>
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      <image:title>Our Gympie Team - Make it stand out</image:title>
      <image:caption>NICOLE BURGESS Paraplanner</image:caption>
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    <loc>https://www.dobbrickfinancialservices.com.au/insights-1</loc>
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    <lastmod>2019-12-02</lastmod>
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      <image:title>Insights</image:title>
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    <loc>https://www.dobbrickfinancialservices.com.au/financial-adviser-ipswich</loc>
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    <lastmod>2026-03-09</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5db8d1b2d2e92960a6d699ff/1620876531026-5KBCLATP13D6QIRA3UD4/external+house+accross+the+road.jpg</image:loc>
      <image:title>Our Ipswich Team</image:title>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5db8d1b2d2e92960a6d699ff/b6dccedd-ba0d-498c-b2af-8132beaf116d/Ryan.jpg</image:loc>
      <image:title>Our Ipswich Team - RYAN DOBBRICK</image:title>
      <image:caption>RYAN DOBBRICK Principal Senior Financial Planner “I believe that trust is the key to building client relationships and delivering outcomes.” Read more &gt;</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5db8d1b2d2e92960a6d699ff/c8b42d62-9037-4c86-9540-0a4c31f2fa48/David+Southwood.jpg</image:loc>
      <image:title>Our Ipswich Team - Make it stand out</image:title>
      <image:caption>DAVID SOUTHWOOD Senior Financial Planner “I enjoy nothing more than being able to work together with a client to help them live their best life.” Read more&gt;</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5db8d1b2d2e92960a6d699ff/ccc6b2da-847a-4fa6-b3c1-f2f263f7072f/Paul+Korst.jpg</image:loc>
      <image:title>Our Ipswich Team - Make it stand out</image:title>
      <image:caption>PAUL KORST Senior Financial Planner “I aim to cut through the financial jargon and complexity to help clients implement solutions that make sense to them.” Read more&gt;</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5db8d1b2d2e92960a6d699ff/fcfa9574-ec0c-49d5-af50-33d3baad32b8/Dobbrick-004-6472-.jpg</image:loc>
      <image:title>Our Ipswich Team - Make it stand out</image:title>
      <image:caption>INGRID NELMS Practice Manager</image:caption>
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      <image:title>Our Ipswich Team - Make it stand out</image:title>
      <image:caption>VANORA KOPP Senior Paraplanner</image:caption>
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      <image:title>Our Ipswich Team - Make it stand out</image:title>
      <image:caption>EMMA BURKETT Paraplanner</image:caption>
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      <image:title>Our Ipswich Team - SHARYN WEBBER Client Services</image:title>
      <image:caption>SHARYN WEBER Client Services</image:caption>
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    <image:image>
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      <image:title>Our Ipswich Team - Make it stand out</image:title>
      <image:caption>AMY SANDRI Client Services</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5db8d1b2d2e92960a6d699ff/1616030411726-GQ5OU4RXMQNOK6IF4XJ5/insights.jpg</image:loc>
      <image:title>Insights</image:title>
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    <loc>https://www.dobbrickfinancialservices.com.au/fortnum</loc>
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    <lastmod>2020-03-10</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5db8d1b2d2e92960a6d699ff/1573698126920-7MK661KMQK1RTUAR3QCK/FPW-2-col-web.png</image:loc>
      <image:title>Fortnum</image:title>
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  <url>
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    <lastmod>2021-03-30</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5db8d1b2d2e92960a6d699ff/1615760815762-AJ7Q1F6JFDKYYKCLUATR/DobbrickGympie-75-4808+%281%29.jpg</image:loc>
      <image:title>What We Do</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5db8d1b2d2e92960a6d699ff/1574220655911-P2JSJI7D6ZI9JUM2DUEL/planning+for+aged+care.jpg</image:loc>
      <image:title>What We Do - retirement planning</image:title>
      <image:caption>RETIREMENT PLANNING You are not alone if you have put off thinking about how you are going to fund your retirement but it’s definitely worth it, especially if you want to be able to make more time for hobbies, travel, volunteering in the community or spending time with the family. If you are considering retiring or reducing your working hours it’s not too late to seek some professional planning advice to give you peace of mind. We can help you to work out the best time to retire so that you avoid making a rushed decision. Our experienced team of advisers will make sure that you have invested appropriately and consider the different types of income available to you. We can also look at your eligibility for Government entitlements which can make a big difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5db8d1b2d2e92960a6d699ff/1615782287127-7A8HV93YHQYY6R56Q7O2/investment.jpg</image:loc>
      <image:title>What We Do - investments</image:title>
      <image:caption>REDUNDANCY ADVICE While being retrenched is never pleasant, if you receive a payout it may actually improve your situation down the track. This could be used to cover living expenses while you find a new job, help you set up a new business, or even set you up for an early retirement. Trying to work out what’s best for you can be difficult and financial matters can be complex. Where do you start? We can help you with a plan.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5db8d1b2d2e92960a6d699ff/1574222034583-SF7Y8BB2KY391PYS7B5D/three+generations.jpg</image:loc>
      <image:title>What We Do - Estate planning</image:title>
      <image:caption>ESTATE PLANNING When it comes to financial planning it is important to know that the law has evolved to recognise all family dynamics. There can be complex considerations at play. We can act as an advocate and central coordinator helping you to integrate the services of aligned professionals whose contributions may assist in the preservation of your wealth today, as you plan for the legacy you pass on to your family.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5db8d1b2d2e92960a6d699ff/1572833645752-RCIW9MU8HE0CH7AHN2CZ/businesswoman-company-concept-7357.jpg</image:loc>
      <image:title>What We Do - Superannuation</image:title>
      <image:caption>PORTFOLIO MANAGEMENT Many of our clients are unsure of the best way to invest their funds and come to us for help. We understand that this is not everyone’s cup of tea and that’s OK. We will work with you to find the best solution whether it be a managed fund, direct shares, fixed interest investments, term deposits, bank accounts, self-managed superannuation or an account based pension. We design and manage portfolios with your individual requirements and goals in mind. Our qualified team has the tools and methods to effectively manage your investments. We keep abreast of the changes in the market, saving you time and managing unnecessary risks. Your experienced investment manager can manage every day tasks and complex decisions.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5db8d1b2d2e92960a6d699ff/1574221580497-KZ0BXKBXP2Y7RDXJ0IT1/baby-beautiful-beauty-377058.jpg</image:loc>
      <image:title>What We Do - Personal insurances</image:title>
      <image:caption>PERSONAL LIFE INSURANCE We would all rather not think about the unexpected curve balls that life can throw at us. If something happened to you or your spouse would you be covered? How would your family be affected financially? Could your debts be repaid and where would your family’s new source of income come from? You are your most valuable asset. It is worth talking to us about solutions for life insurance, income protection, business protection, total and permanent disability protection and trauma insurance.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5db8d1b2d2e92960a6d699ff/1615782386517-RUDH01BEPDFEQ9MWV227/Success.jpg</image:loc>
      <image:title>What We Do - financial planning</image:title>
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      <image:title>Retirement Planning</image:title>
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      <image:title>Retirement Planning</image:title>
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    <image:image>
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      <image:title>Superannuation</image:title>
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      <image:title>Superannuation</image:title>
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      <image:title>Personal Insurances</image:title>
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      <image:title>Personal Insurances</image:title>
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    <lastmod>2025-02-17</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5db8d1b2d2e92960a6d699ff/1615761806947-VKGF9WEIUKUA981KYK8N/DobbrickIpswich-00052-PH__0059.jpg</image:loc>
      <image:title>Who We Help</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5db8d1b2d2e92960a6d699ff/1574220655911-P2JSJI7D6ZI9JUM2DUEL/planning+for+aged+care.jpg</image:loc>
      <image:title>Who We Help - retirees</image:title>
      <image:caption>RETIREMENT PLANNING You are not alone if you have put off thinking about how you are going to fund your retirement but it’s definitely worth it, especially if you want to be able to make more time for hobbies, travel, volunteering in the community or spending time with the family. If you are considering retiring or reducing your working hours it’s not too late to seek some professional planning advice to give you peace of mind. We can help you to work out the best time to retire so that you avoid making a rushed decision. Our experienced team of advisers will make sure that you have invested appropriately and consider the different types of income available to you. We can also look at your eligibility for Government entitlements which can make a big difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5db8d1b2d2e92960a6d699ff/1615781239894-T2L11DVKOKZA5AOWS48L/wealth+accumulators.jpg</image:loc>
      <image:title>Who We Help - wealth accumulators</image:title>
      <image:caption>REDUNDANCY ADVICE While being retrenched is never pleasant, if you receive a payout it may actually improve your situation down the track. This could be used to cover living expenses while you find a new job, help you set up a new business, or even set you up for an early retirement. Trying to work out what’s best for you can be difficult and financial matters can be complex. Where do you start? We can help you with a plan.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5db8d1b2d2e92960a6d699ff/1616375888922-JOZUIAFLWAOAEAIH6FO3/bob-oh-6t6h5kABuW4-unsplash.jpg</image:loc>
      <image:title>Who We Help - pre-retirees</image:title>
      <image:caption>PORTFOLIO MANAGEMENT Many of our clients are unsure of the best way to invest their funds and come to us for help. We understand that this is not everyone’s cup of tea and that’s OK. We will work with you to find the best solution whether it be a managed fund, direct shares, fixed interest investments, term deposits, bank accounts, self-managed superannuation or an account based pension. We design and manage portfolios with your individual requirements and goals in mind. Our qualified team has the tools and methods to effectively manage your investments. We keep abreast of the changes in the market, saving you time and managing unnecessary risks. Your experienced investment manager can manage every day tasks and complex decisions.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5db8d1b2d2e92960a6d699ff/1616375285428-OK5YLWUJKE47D1DL1VZU/bench-accounting-C3V88BOoRoM-unsplash.jpg</image:loc>
      <image:title>Who We Help - business owners</image:title>
      <image:caption>PERSONAL LIFE INSURANCE We would all rather not think about the unexpected curve balls that life can throw at us. If something happened to you or your spouse would you be covered? How would your family be affected financially? Could your debts be repaid and where would your family’s new source of income come from? You are your most valuable asset. It is worth talking to us about solutions for life insurance, income protection, business protection, total and permanent disability protection and trauma insurance.</image:caption>
    </image:image>
  </url>
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      <image:title>Retirees</image:title>
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      <image:title>Pre-retirees</image:title>
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    <lastmod>2025-02-17</lastmod>
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      <image:title>Estate Planning</image:title>
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