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    <lastmod>2026-03-24</lastmod>
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    <loc>https://lyonfp.com/blog/tips-ladder</loc>
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    <lastmod>2024-05-17</lastmod>
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      <image:title>Blog - How to Build a TIPS ladder - Make it stand out</image:title>
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      <image:title>Blog - How to Build a TIPS ladder - Make it stand out</image:title>
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      <image:title>Blog - How to Build a TIPS ladder - Make it stand out</image:title>
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      <image:title>Blog - How to Build a TIPS ladder - Make it stand out</image:title>
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    <loc>https://lyonfp.com/blog/what-is-a-safe-withdrawal-rate-for-retirement</loc>
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    <lastmod>2024-05-07</lastmod>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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  <url>
    <loc>https://lyonfp.com/blog/how-social-security-works</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-02-15</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5d60a7036a77900001dd499e/ce6b9270-befb-4bba-8ae9-87eb10325dee/How+does+Social+Security+Work</image:loc>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image: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://lyonfp.com/blog/traditional-vs-roth</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-01-31</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5d60a7036a77900001dd499e/5829f3b4-a4e6-431f-9f92-7aa618953a6c/Traditional+vs+Roth+contributions.png</image:loc>
      <image:title>Blog - Should You Contribute to Traditional Or Roth Accounts?</image:title>
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    <image:image>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5d60a7036a77900001dd499e/837f6643-98c6-4adc-9f6b-dc1615a28489/Contribute+to+Roth+accounts+if+your+post-retirement+income+tax+rate+is+going+to+be+higher+than+it+is+now</image:loc>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5d60a7036a77900001dd499e/add8b7f1-af9b-48a4-8012-1436499cb875/If+you+plan+to+save+more+than+pre-tax+IRS+limits%2C+Roth+contributions+become+relatively+more+attractive+than+conventional+wisdom+implies.</image:loc>
      <image:title>Blog - Should You Contribute to Traditional Or Roth Accounts? - Make it stand out</image:title>
      <image:caption>Note: The decision rule shown here is but one example. Yours will depend on the factors below.[4]</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5d60a7036a77900001dd499e/de3a2d45-e67d-4bfa-8838-0ae19c893bc5/Benefit+of+Roth+vs+Traditional</image:loc>
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  <url>
    <loc>https://lyonfp.com/blog/how-to-protect-your-plan-from-inflation</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-06-17</lastmod>
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      <image:title>Blog - How to Protect Your Plan From Inflation - 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/v1/5d60a7036a77900001dd499e/72ba2238-2679-4c5e-a0a6-600101e942b3/how+to+protect+your+financial+plan+from+inflation</image:loc>
      <image:title>Blog - How to Protect Your Plan From Inflation - 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/v1/5d60a7036a77900001dd499e/cf098a06-2fe3-4a78-867b-961cc9e18553/how+to+protect+your+financial+plan+from+inflation</image:loc>
      <image:title>Blog - How to Protect Your Plan From Inflation - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5d60a7036a77900001dd499e/2a1d2d3c-5e9b-487e-b818-7836c449be50/how+to+protect+your+financial+plan+from+inflation</image:loc>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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  </url>
  <url>
    <loc>https://lyonfp.com/blog/active-vs-passive-investing</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-04-06</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5d60a7036a77900001dd499e/dde231ff-70ad-4ca6-9ca7-223a64476d36/passive+investing</image:loc>
      <image:title>Blog - What to Know about Active Vs Passive Investing - 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/v1/5d60a7036a77900001dd499e/f586edf4-c1c1-4620-b3ff-347ce2f03e68/active+vs+passive+investing</image:loc>
      <image:title>Blog - What to Know about Active Vs Passive Investing - Make it stand out</image:title>
      <image:caption>Source: Morningstar 2020 US Fund Fee Study</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5d60a7036a77900001dd499e/f9c72488-4a66-407c-bf7d-9f6b50ca6a43/SPIVA+US+Avg+Returns+June+2021.png</image:loc>
      <image:title>Blog - What to Know about Active Vs Passive Investing - 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/v1/5d60a7036a77900001dd499e/304bccd1-0335-46f4-839c-5ccb4cd56765/SPIVA+US+Returns+June+2021.png</image:loc>
      <image:title>Blog - What to Know about Active Vs Passive Investing - 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/v1/5d60a7036a77900001dd499e/26027d36-3808-4fd3-ab78-1abcdb044e96/SPIVA+US+Persistence+3yrs+June+2021.png</image:loc>
      <image:title>Blog - What to Know about Active Vs Passive Investing - 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/v1/5d60a7036a77900001dd499e/a6be5098-954d-4729-8c3d-df9e0349b95e/SPIVA+US+Risk+Adj+Returns+June+2021.png</image:loc>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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  </url>
  <url>
    <loc>https://lyonfp.com/blog/is-real-estate-a-good-investment</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-04-06</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5d60a7036a77900001dd499e/1634089639994-K6WXIVF4E5LSLYF569XT/Is+Real+Estate+a+Good+Investment</image:loc>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5d60a7036a77900001dd499e/1634001679303-1C976OQ9U5K67QRZQ7I1/Real+Estate+Returns</image:loc>
      <image:title>Blog - Is Real Estate a Good Investment? - Make it stand out</image:title>
      <image:caption>Sources: Robert Shiller, US Bureau of Labor Statistics, US Dept. of Housing and Urban Development (see Appendix)</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5d60a7036a77900001dd499e/1634001728608-ZRGN5DAHWZVOSV2RFUKV/Stock+and+Bond+Returns.png</image:loc>
      <image:title>Blog - Is Real Estate a Good Investment? - Make it stand out</image:title>
      <image:caption>Source: Robert Shiller</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5d60a7036a77900001dd499e/1634006437362-M8WLGUE2DL7D3FFT21OZ/Total+Returns.png</image:loc>
      <image:title>Blog - Is Real Estate a Good Investment? - Make it stand out</image:title>
      <image:caption>Sources: Robert Shiller, US Bureau of Labor Statistics, US Dept. of Housing and Urban Development (see Appendix)</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://lyonfp.com/blog/the-cost-of-children</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-04-06</lastmod>
    <image:image>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5d60a7036a77900001dd499e/1623951264304-6BR9FPQQ6PZU7XH77RAZ/The+Cost+of+Children</image:loc>
      <image:title>Blog - The Cost of Children - Make it stand out</image:title>
      <image:caption>Figure 1. Having a child means spending more, and therefore saving less, while the child is dependent.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5d60a7036a77900001dd499e/1623951287783-6XQFWSO4T1ZPHAMOAWI4/The+Cost+of+Children</image:loc>
      <image:title>Blog - The Cost of Children - Make it stand out</image:title>
      <image:caption>Figure 2. Fixed expenses, like child-care and education, further reduce how much you can afford to spend on discretionary expenses throughout your life.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://lyonfp.com/blog/should-you-pay-off-your-mortgage</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-04-06</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5d60a7036a77900001dd499e/1614026150918-V40NYMQSK0MVW11XIMJ9/should+you+pay+off+your+mortgage</image:loc>
      <image:title>Blog - Should You Pay Off Your Mortgage?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5d60a7036a77900001dd499e/1614017177795-BH95LH01HXXNH5E8QHX6/Should+you+pay+off+your+mortgage+2</image:loc>
      <image:title>Blog - Should You Pay Off Your Mortgage?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5d60a7036a77900001dd499e/1614017262249-SLESE38X81YKQDG67HNU/Should+you+pay+off+your+mortgage+3</image:loc>
      <image:title>Blog - Should You Pay Off Your Mortgage?</image:title>
      <image:caption>Sources: Freddie Mac and the Federal Reserve. Data retrieved from Federal Reserve Bank of St. Louis.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://lyonfp.com/blog/how-much-house-can-you-afford</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-01-31</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5d60a7036a77900001dd499e/1606933355592-UCN2ARS3IN028BXRDEVK/Screen+Shot+2020-12-02+at+1.10.36+PM.png</image:loc>
      <image:title>Blog - How Much House Can You Afford?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5d60a7036a77900001dd499e/1606933603452-ZACIJHV1RET4EAJ5H3AY/Screen+Shot+2020-12-02+at+1.26.33+PM.png</image:loc>
      <image:title>Blog - How Much House Can You Afford?</image:title>
      <image:caption>Lifetime housing expenses include the purchase price and all ongoing operating expenses</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5d60a7036a77900001dd499e/1607043525534-GRO0ZF8OFJCVVYZVRWPJ/Screen+Shot+2020-12-03+at+7.58.34+PM.png</image:loc>
      <image:title>Blog - How Much House Can You Afford?</image:title>
      <image:caption>Wanda’s lifetime balance sheet shows that she’ll have $1.60M to spend on housing over the rest of her life</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://lyonfp.com/blog/choose-a-health-insurance-plan</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-04-06</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5d60a7036a77900001dd499e/1599767827834-D06WY4V9WJUSXLZWMXFG/Screen+Shot+2020-09-10+at+3.56.47+PM.png</image:loc>
      <image:title>Blog - How to Choose a Cost-Effective Health Insurance Plan</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5d60a7036a77900001dd499e/1599766310887-XQZHX014WIJUR2R59Q6U/Compare+Plans.png</image:loc>
      <image:title>Blog - How to Choose a Cost-Effective Health Insurance Plan</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5d60a7036a77900001dd499e/1599766679800-Z7BFJTKZEZNO41YEANCN/Compare+Plans+2.png</image:loc>
      <image:title>Blog - How to Choose a Cost-Effective Health Insurance Plan</image:title>
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    <image:image>
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      <image:title>Blog - How to Choose a Cost-Effective Health Insurance Plan</image:title>
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  <url>
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      <image:caption>Wanda’s lifetime balance sheet shows she’ll have $2.7M for discretionary spending to support her living standard</image:caption>
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      <image:title>Services - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
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    <loc>https://lyonfp.com/planning-assumptions</loc>
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    <priority>0.75</priority>
    <lastmod>2026-01-18</lastmod>
  </url>
  <url>
    <loc>https://lyonfp.com/media</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2026-01-01</lastmod>
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