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      <image:title>John Baranauskas - John Baranauskas, CFP®</image:title>
      <image:caption>Founder / CEO</image:caption>
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      <image:title>Financial Well-Being - We Believe</image:title>
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      <image:caption>Is about more than investing…</image:caption>
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      <image:title>Financial Well-Being - Here’s Why</image:title>
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      <image:title>Financial Well-Being - Financial Well-Being</image:title>
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      <image:title>Financial Well-Being - Is About Experience</image:title>
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      <image:title>Home - Is About Experience</image:title>
      <image:caption>“Experience” is so often linked to age or time spent mastering a craft, but often ignored when referencing experience is what one has gone through to gain their experience and how they navigated various environments throughout their career.</image:caption>
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      <image:title>Home - Here’s Why</image:title>
      <image:caption>Many financial advisory firms will be reluctant to open the books and disclose all that’s taking place; costs, fees, incentives, structure, etc. Unlike many, we believe the relationship you have with your financial well-being is one life’s most important relationships.</image:caption>
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      <image:title>Home - Financial planning has evolved.</image:title>
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      <image:title>Home - We Believe</image:title>
      <image:caption>Financial planning requires an overhaul. Sweetgum Labs has evolved financial planning away from sales and slogans to a client centric partnership. Our only focus is listening to our clients’ needs and educating them on best practices for successful planning.</image:caption>
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      <image:caption>Much of the financial advice you'll encounter is simply about investments, however, we know that money is about more than investing—your financial well-being is a foundational component of your life.</image:caption>
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      <image:title>Transparent - Is About Experience</image:title>
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      <image:title>Transparent - Here’s Why</image:title>
      <image:caption>We envision a more transparent future for financial planning…</image:caption>
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      <image:title>About Us</image:title>
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      <image:title>About Us</image:title>
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      <image:title>About Us</image:title>
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  <url>
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    <lastmod>2019-12-10</lastmod>
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      <image:title>Mission Statement - Here’s Why</image:title>
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      <image:title>Mission Statement - We Believe</image:title>
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      <image:title>Mission Statement - Is About Experience</image:title>
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      <image:title>Mission Statement - Financial Well-Being</image:title>
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    <lastmod>2019-10-08</lastmod>
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      <image:title>Experience - We Believe</image:title>
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      <image:title>Experience - Financial Well-Being</image:title>
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    <image:image>
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      <image:title>Experience - Is About Experience</image:title>
      <image:caption>Is often linked to age or time spent mastering a craft…</image:caption>
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      <image:title>Experience - Here’s Why</image:title>
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      <image:title>Experience - Is About Experience</image:title>
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    <loc>https://www.sweetgumlabs.com/meet-the-team-1</loc>
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    <lastmod>2025-03-13</lastmod>
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      <image:title>Meet the Team</image:title>
      <image:caption>Christian Hastings Director of Business Development</image:caption>
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      <image:title>Meet the Team</image:title>
      <image:caption>John Baranauskas, CFP® Founder / CEO</image:caption>
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    <loc>https://www.sweetgumlabs.com/christian-hastings</loc>
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    <lastmod>2020-10-08</lastmod>
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      <image:title>Christian Hastings - Christian Hastings</image:title>
      <image:caption>Director of Business Development</image:caption>
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    <loc>https://www.sweetgumlabs.com/literature</loc>
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    <lastmod>2020-12-07</lastmod>
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      <image:title>Content - The 401k Cram Session</image:title>
      <image:caption>Confess, you have avoided reading the plan rules in your 401k when you started a new position… This short read aims to help provide some quick clarity.</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5d122fc30d5b1a0001e92706/1597342797758-OZCFX67V5GHZOQHQCXJR/Back2School_Rule72-01.png</image:loc>
      <image:title>Content - The Rule of 72</image:title>
      <image:caption>The Rule of 72 is a simple a rule of thumb; how long will it take me to double my money?</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5d122fc30d5b1a0001e92706/1582564179845-P4C8MMJPWXDBZ6RDZUZN/Pension-01.png</image:loc>
      <image:title>Content - Pension Max</image:title>
      <image:caption>If you’re fortunate enough to accumulate a pension you’ve likely heard rumblings about a pension maximization (max) strategy. The pluses and minuses of this strategy need to be weighed and considered.</image:caption>
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      <image:title>Content - Retirement: A Dream Come True?</image:title>
      <image:caption>(Or just wishful thinking?)</image:caption>
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      <image:title>Content - Three Buckets</image:title>
      <image:caption>Our rationale for the three buckets hinges on the fact that a typical market downturn is 2-3 years. If you have a fully funded bucket 1 and 2 this provides capacity to help protect bucket 3 from liquidity needs during downturns and avoid further piling on principle values.</image:caption>
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      <image:title>Content - Moneyball Your Career</image:title>
      <image:caption>The average person changes positions 12 times in their career so this situation may seem very familiar.</image:caption>
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      <image:title>Content - Hitting Restart</image:title>
      <image:caption>Half of all marriages end in divorce. If you’re in this unfortunate situation you need to be well versed as what to expect and how to effectively navigate this difficult financial transition.</image:caption>
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      <image:title>Content - Recovering from a Loss</image:title>
      <image:caption>When your portfolio experiences a loss, regardless of the severity, the math highlights the damage.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5d122fc30d5b1a0001e92706/1579713853120-O2NIQ2HFJWHKKLMNN3FZ/HowToNOT_Woman1-01.png</image:loc>
      <image:title>Content - How to NOT Hire a Financial Advisor</image:title>
      <image:caption>We’re aiming to provide you as much financial insight as we can so that if you decide, you can set out to manage your own finances.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5d122fc30d5b1a0001e92706/1607351214493-AKBNCLVWFJGY3SGZ0PIO/fact+check.PNG</image:loc>
      <image:title>Content - The Two Faces of Debt</image:title>
      <image:caption>No one is talking about effective usage of debt because “debt” and “liabilities” have become dirty words to the general population.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5d122fc30d5b1a0001e92706/1581614222376-GDDHW92FG7H26V1VUAIZ/XOP-01.png</image:loc>
      <image:title>Content - Stock Option &amp; Rewards Plans</image:title>
      <image:caption>How some employers incentivize and retain talent to remain competitive.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5d122fc30d5b1a0001e92706/1576597840677-BGFSVT9M0MM2K7ZG89MU/FAANG%2BStocks.jpg</image:loc>
      <image:title>Content - Economics Cometh Undone?</image:title>
      <image:caption>Our concern is that without a human to explain the weaknesses of index investing (bloating valuations of FAANGs and other in vogue stocks further) this cycle of passive index investing has a breaking point.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5d122fc30d5b1a0001e92706/1577718615677-3Q2C4WNR21L8H5GYAS0W/Pantry-01.png</image:loc>
      <image:title>Content - Organizing Your Pantry</image:title>
      <image:caption>Becoming a good chef is knowing what foods pair well with each other.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5d122fc30d5b1a0001e92706/1576600535560-TLKN9DP47IMJ5CK2W0MG/Inv.Brochure-01.png</image:loc>
      <image:title>Content - Investment Allocation</image:title>
      <image:caption>Our program is structured to provide evidence, despite being plain vanilla, that a portfolio with effective asset allocation provides more stability in the success levels of your financial plan.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.sweetgumlabs.com/ask-a-question</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2020-01-30</lastmod>
  </url>
  <url>
    <loc>https://www.sweetgumlabs.com/faq</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2023-01-11</lastmod>
  </url>
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