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    <loc>https://chisholmwm.com/blog</loc>
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    <lastmod>2026-03-28</lastmod>
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  <url>
    <loc>https://chisholmwm.com/blog/true-freedom-is-not-financial-independence</loc>
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    <priority>0.5</priority>
    <lastmod>2026-03-28</lastmod>
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      <image:title>Jargon-less answers to common client questions - Money, Faith, and Security: A Christian Financial Advisor’s Perspective - 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://chisholmwm.com/blog/retirement-savings-by-age-are-you-on-track</loc>
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    <priority>0.5</priority>
    <lastmod>2026-03-13</lastmod>
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      <image:title>Jargon-less answers to common client questions - Retirement Savings by Age: Are you on track? - 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>Jargon-less answers to common client questions - Retirement Savings by Age: Are you on track?</image:title>
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      <image:title>Jargon-less answers to common client questions - Retirement Savings by Age: Are you on track?</image:title>
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  <url>
    <loc>https://chisholmwm.com/blog/what-to-do-if-you-inherit-an-ira-without-losing-your-mind</loc>
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    <priority>0.5</priority>
    <lastmod>2026-03-08</lastmod>
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      <image:title>Jargon-less answers to common client questions - What to Do When You Inherit an IRA - 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://chisholmwm.com/blog/using-catch-up-contributions-to-secure-the-retirement-gold-medal</loc>
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    <priority>0.5</priority>
    <lastmod>2026-02-23</lastmod>
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  <url>
    <loc>https://chisholmwm.com/blog/how-much-do-i-need-to-retire</loc>
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    <priority>0.5</priority>
    <lastmod>2026-01-30</lastmod>
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      <image:title>Jargon-less answers to common client questions - How Much Do I Need to Retire Comfortably? - 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://chisholmwm.com/blog/a-football-fans-guide-to-financial-planning</loc>
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    <priority>0.5</priority>
    <lastmod>2026-01-30</lastmod>
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      <image:title>Jargon-less answers to common client questions - A Football Fan’s Guide to Financial Planning - 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://chisholmwm.com/blog/what-is-net-unrealized-appreciation</loc>
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    <priority>0.5</priority>
    <lastmod>2025-08-28</lastmod>
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      <image:title>Jargon-less answers to common client questions - What is Net Unrealized Appreciation? - 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://chisholmwm.com/blog/what-to-do-after-filing-your-taxes-5-things-you-should-consider</loc>
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    <priority>0.5</priority>
    <lastmod>2025-08-28</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/621692f822d92f260931f94b/5f881500-d2fe-415f-ae96-6e57a22ab549/What+to+Do+After+Filing+Your+Taxes+5+Things+you+should+consider.png</image:loc>
      <image:title>Jargon-less answers to common client questions - What to Do After Filing Your Taxes: 5 Things You Should Consider - 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://chisholmwm.com/blog/rethinking-how-christians-handle-money</loc>
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    <priority>0.5</priority>
    <lastmod>2026-03-28</lastmod>
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  <url>
    <loc>https://chisholmwm.com/blog/what-should-i-do-when-the-market-drops-burleson</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-05-14</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/621692f822d92f260931f94b/88e9b632-d51d-42dc-af63-eb77912807ac/What+should+I+do+when+the+market+drops+banner.png</image:loc>
      <image:title>Jargon-less answers to common client questions - What should I do when the market drops? - 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/v1/621692f822d92f260931f94b/26905687-c789-4429-86c1-159b13db81ed/Market+Events.jpg</image:loc>
      <image:title>Jargon-less answers to common client questions - What should I do when the market drops? - Make it stand out</image:title>
      <image:caption>There’s a lot of out there to worry about, but history shows the market is pretty resiliant.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://chisholmwm.com/blog/how-much-life-insurance-do-i-need</loc>
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    <priority>0.5</priority>
    <lastmod>2025-04-03</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/621692f822d92f260931f94b/8d191a74-c3f6-4dbb-94fe-38858ddaad4f/Do+I+have+enough+life+insurance+%282%29.png</image:loc>
      <image:title>Jargon-less answers to common client questions - Do I have Enough Life Insurance? - 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://chisholmwm.com/blog/quarterly-review-stock-gains-stay-in-focus-but-volatility-moves-into-the-frame</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-04-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/621692f822d92f260931f94b/743f0bd2-f85e-4e86-a258-798bf00854d0/value-can-pop-without-a-growth-drop_e1+%281%29.png</image:loc>
      <image:title>Jargon-less answers to common client questions - Quarterly Review: Stock Gains Stay in Focus, but Volatility Moves into the Frame - Make it stand out</image:title>
      <image:caption>Past performance is not a guarantee of future results. In USD. US value and growth represented by the Fama/French US Value Research Index and the Fama/French US Growth Research Index, respectively. Data provided by Fama/French. The Fama/French indices represent academic concepts that may be used in portfolio construction and are not available for direct investment or for use as a benchmark. Index returns are not representative of actual portfolios and do not reflect costs and fees associated with an actual investment. See “Index Descriptions” for descriptions of the Fama/French index data.</image:caption>
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  </url>
  <url>
    <loc>https://chisholmwm.com/blog/tax-loss-harvesting-optimizing-your-investment-strategy</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-04-03</lastmod>
  </url>
  <url>
    <loc>https://chisholmwm.com/blog/elections-and-portfolios-are-you-worried</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-30</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/621692f822d92f260931f94b/cec191b4-550d-4317-8009-79720f6b12a0/President.png</image:loc>
      <image:title>Jargon-less answers to common client questions - Elections and Portfolios - Are You Worried? - 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/v1/621692f822d92f260931f94b/c817d0ee-1f0f-47ec-ad5f-74270a7418a1/Congress.png</image:loc>
      <image:title>Jargon-less answers to common client questions - Elections and Portfolios - Are You Worried? - 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://chisholmwm.com/blog/annuities-the-good-the-bad-and-the-ugly</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-30</lastmod>
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  <url>
    <loc>https://chisholmwm.com/blog/taxes-the-2017-shake-up-and-whats-coming-in-2026</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-03-29</lastmod>
  </url>
  <url>
    <loc>https://chisholmwm.com/blog/3-common-investing-mistakes</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-02-27</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/621692f822d92f260931f94b/044a5743-dcb5-42f9-a60d-17281ddb4acf/Screenshot+2024-02-27+at+3.10.02%E2%80%AFPM.png</image:loc>
      <image:title>Jargon-less answers to common client questions - 3 Common Investing Mistakes - Make it stand out</image:title>
      <image:caption>In USD. For illustrative purposes. Best performance dates represent end of period (November 28, 2008, for best week; April 22, 2020, for best month; June 22, 2020, for best three months; and September 4, 2009, for best six months). The missed best consecutive days examples assume that the hypothetical portfolio fully divested its holdings at the end of the day before the missed best consecutive days, held cash for the missed best consecutive days, and reinvested the entire portfolio in the Russell 3000 Index at the end of the missed best consecutive days. Data presented in the growth of $1,000 exhibit is hypothetical and assumes reinvestment of income and no transaction costs or taxes. The data is for illustrative purposes only and is not indicative of any investment. Frank Russell Company is the source and owner of the trademarks, service marks, and copyrights related to the Russell Indexes.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/621692f822d92f260931f94b/0495724e-c015-41db-bc82-44797063bc2f/Screenshot+2024-02-27+at+3.13.16%E2%80%AFPM.png</image:loc>
      <image:title>Jargon-less answers to common client questions - 3 Common Investing Mistakes - Make it stand out</image:title>
      <image:caption>As compared to Fama/French Total US Market Research Index. In USD. Source: Dimensional, using data from CRSP. Includes all US common stocks excluding REITs. Largest stocks are identified at the end of each calendar year by sorting eligible US stocks on market capitalization. The market is represented by the Fama/French Total US Market Research Index. The 10 largest companies are identified by market capitalization. Returns after joining the 10 largest are measured as of the start of the first calendar year after a stock joins the Top 10. Annualized excess return is the difference in annualized compound returns between the stock and the market over the three-, five-, and 10-year periods, before and after each stock’s initial year-end classification in the Top 10. Three-, five-, and 10-year annualized returns are computed for companies with return data available for the entire three-, five-, and 10-year periods, respectively. The number of firms included in measuring excess returns prior (subsequent) to becoming a Top 10 stock consists of 44 (56) for the three-year period, 43 (54) for the five-year period, and 35 (49) for the 10-year period.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/621692f822d92f260931f94b/17746567-66b5-457d-888a-a423656e1340/Screenshot+2024-02-27+at+3.15.22%E2%80%AFPM.png</image:loc>
      <image:title>Jargon-less answers to common client questions - 3 Common Investing Mistakes - Make it stand out</image:title>
      <image:caption>Data Sample The sample includes US-domiciled, USD-denominated open-end and exchange-traded funds (ETFs) in the following Morningstar categories. Non-Dimensional fund data provided by Morningstar. Dimensional fund data is provided by the fund accountant. Dimensional funds or subadvised funds whose access is or previously was limited to certain investors are excluded. Index funds, load-waived funds, and funds of funds are excluded from the industry sample. Methodology This study evaluated fund performance over rolling periods from 2004 through 2023. Each year, funds are sorted within their category based on their previous five-year total return. Those ranked in the top quartile of returns are evaluated over the following five-year period. The chart shows the average percentage of top-ranked equity and fixed income funds that kept their top ranking in the subsequent period. Morningstar Categories (Equity) Equity fund sample includes the following Morningstar historical categories: Diversified Emerging Markets, Europe Stock, Foreign Large Blend, Foreign Large Growth, Foreign Large Value, Foreign Small/Mid Blend, Foreign Small/Mid Growth, Foreign Small/Mid Value, Global Real Estate, Japan Stock, Large Blend, Large Growth, Large Value, Mid-Cap Blend, Mid-Cap Growth, Mid-Cap Value, Miscellaneous Region, Pacific/Asia ex-Japan Stock, Real Estate, Small Blend, Small Growth, Small Value, Global Large-Stock Blend, Global Large-Stock Growth, Global Large-Stock Value, and Global Small/Mid Stock. Morningstar Categories (Fixed Income) Fixed income fund sample includes the following Morningstar historical categories: Corporate Bond, High-Yield Bond, Inflation-Protected Bond, Intermediate Core Bond, Intermediate Core-Plus Bond, Intermediate Government, Long Government, Muni California Intermediate, Muni California Long, Muni Massachusetts, Muni Minnesota, Muni National Intermediate, Muni National Long, Muni National Short, Muni New Jersey, Muni New York Intermediate, Muni New York Long, Muni Ohio, Muni Pennsylvania, Muni Single State Intermediate, Muni Single State Long, Muni Single State Short, Muni Target Maturity, Short Government, Short-Term Bond, Ultrashort Bond, Global Bond, and Global Bond-USD Hedged. Index Data Sources Index data provided by Bloomberg, MSCI, Russell, FTSE Fixed Income LLC, and S&amp;P Dow Jones Indices LLC. Bloomberg data provided by Bloomberg. MSCI data © MSCI 2024, all rights reserved. Frank Russell Company is the source and owner of the trademarks, service marks, and copyrights related to the Russell Indexes. FTSE fixed income indices © 2024 FTSE Fixed Income LLC. All rights reserved. S&amp;P data © 2024 S&amp;P Dow Jones Indices LLC, a division of S&amp;P Global. All rights reserved. Indices are not available for direct investment. Their performance does not reflect the expenses associated with management of an actual portfolio. US-domiciled mutual funds and US-domiciled ETFs are not generally available for distribution outside the US.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://chisholmwm.com/blog/dztyba5rs7jxkc0ekmmlixc8o43s5n</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-12-29</lastmod>
  </url>
  <url>
    <loc>https://chisholmwm.com/blog/qualified-charitable-distributions-a-tax-smart-way-for-retirees-to-give</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-01-11</lastmod>
  </url>
  <url>
    <loc>https://chisholmwm.com/blog/pros-and-cons-roth-ira-conversion</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-10-30</lastmod>
  </url>
  <url>
    <loc>https://chisholmwm.com/blog/pre-tax-vs-roth-save-on-taxes-today-or-in-retirement</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-09-18</lastmod>
  </url>
  <url>
    <loc>https://chisholmwm.com/blog/my-dave-ramsey-story</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-09-18</lastmod>
  </url>
  <url>
    <loc>https://chisholmwm.com/blog/midyear-review-staying-focused-as-markets-shift</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-09-18</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/621692f822d92f260931f94b/6d44788c-eba0-4a12-a487-baf4774c90a3/Exhibit+1+-+After+The+Fall.png</image:loc>
      <image:title>Jargon-less answers to common client questions - Midyear Review: Staying Focused as Markets Shift - 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/v1/621692f822d92f260931f94b/30eda9bb-1a8a-410c-aaa1-490bdc8a38fa/Exhibit+2+-+Taking+Turns.png</image:loc>
      <image:title>Jargon-less answers to common client questions - Midyear Review: Staying Focused as Markets Shift - 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://chisholmwm.com/blog/my-lovehate-relationship-with-the-sampp-500</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-09-18</lastmod>
  </url>
  <url>
    <loc>https://chisholmwm.com/blog/401k-audit-preparation</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-09-18</lastmod>
  </url>
  <url>
    <loc>https://chisholmwm.com/blog/should-i-put-all-my-money-in-a-high-yield-savings</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-05-14</lastmod>
  </url>
  <url>
    <loc>https://chisholmwm.com/blog/what-are-the-benefits-of-a-health-savings-account</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-03-06</lastmod>
  </url>
  <url>
    <loc>https://chisholmwm.com/blog/markets-dont-wait-for-official-announcements</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-02-17</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/621692f822d92f260931f94b/fa8316fc-58cd-4f2a-83e0-cadc870ec402/Screenshot+2023-02-16+at+1.14.58+PM.png</image:loc>
      <image:title>Jargon-less answers to common client questions - Markets Don’t Wait for Official Announcements - 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://chisholmwm.com/blog/market-review-2022-after-a-down-year-looking-to-the-past-as-a-guide</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-01-12</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/621692f822d92f260931f94b/e34e3a21-5c3d-4852-9629-b8bc3b84a75a/Exhibit+1+-+Market+Review+2022.png</image:loc>
      <image:title>Jargon-less answers to common client questions - Market Review 2022: After a Down Year, Looking to the Past as a Guide - Make it stand out</image:title>
      <image:caption>Past performance is no guarantee of future results. In USD. MSCI All Country World Index, net dividends. MSCI data © MSCI 2023, all rights reserved. Indices are not available for direct investment; therefore, their performance does not reflect the expenses associated with the management of an actual portfolio. Headlines are sourced from various publicly available news outlets and are provided for context, not to explain the market's behavior.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/621692f822d92f260931f94b/91760f90-69e8-4653-90c6-6ac8ed1fe188/Exhibit+2+-+Market+Review+2022.png</image:loc>
      <image:title>Jargon-less answers to common client questions - Market Review 2022: After a Down Year, Looking to the Past as a Guide - Make it stand out</image:title>
      <image:caption>Past performance is no guarantee of future results. In USD. Cumulative returns, January 1, 2022–December 31, 2022. FAANG stock data source: Refnitiv. Facebook and Google now known as Meta and Alphabet, respectively. Frank Russell Company is the source and owner of the trademarks, service marks, and copyrights related to the Russell Indexes. Indices are not available for direct investment; therefore, their performance does not refect the expenses associated with the management of an actual portfolio.</image:caption>
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      <image:caption>Past performance is not a guarantee of future results. In USD. Drawdowns include all periods where the 60/40 portfolio declined by 10% or more from the prior peak. Peaks are defined as months where the 60/40 portfolio's cumulative return exceeds all prior monthly observations. Returns are calculated for the one-, three-, and five-year look-ahead periods beginning the month after the 10% decline threshold is exceeded. The bar chart shows the average cumulative returns for the one-, three-, and five-year periods post-decline. There are 10, nine, and nine observations for the one-, three-, and five-year look-ahead periods, respectively. Source: Morningstar Direct as of December 31, 2022. Five-year US Treasury notes data provided by Morningstar. S&amp;P data © 2023 S&amp;P Dow Jones Indices LLC, a division of S&amp;P Global. All rights reserved. Indices are not available for direct investment; therefore, their performance does not reflect the expenses associated with the management of an actual portfolio.</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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