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    <lastmod>2021-03-01</lastmod>
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    <lastmod>2023-10-12</lastmod>
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      <image:title>Investment Management Fee</image:title>
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  <url>
    <loc>https://www.intentionallegacyfp.com/philosophy</loc>
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    <lastmod>2023-10-26</lastmod>
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      <image:title>Team - Jim Crider, CFP®</image:title>
      <image:caption>Hi, I’m Jim Crider— a husband, dad, and CEO of Intentional Living FP. I am a CERTIFIED FINANCIAL PLANNER™, and the message I tell the clients I work with is that my role is to guide— to live where my clients’ lives and money intersect so they can live the life they want to live. The money is simply a tool, a resource that is there to help you live the life you want. When I’m not engaged in a conversation with people about life, priorities, and doing what is important to them, I can be found chasing around my kids, Atticus, Asher, Arlo, &amp; Adeleine, spending time with my wife, Kendra, or out on an adventure. I’m so grateful you are joining me, and I’m excited for our journey together. - Jim Crider Member of The National Association of Personal Financial Advisors (NAPFA) Member of XY Planning Network Member of Fee-Only Network</image:caption>
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      <image:title>Team - Jack Fischer</image:title>
      <image:caption>Hello, my name is Jack Fischer. I’m a Client Service Associate with Intentional Living FP, graduate of Texas A&amp;M University, and happily married to my wife, Elizabeth. I studied business during my time in college but, more importantly, learned a lot about communicating with people and understanding that everyone has a unique story to explore and opportunities to address. I help with work behind the scenes and keep in touch with clients to make sure they know they are seen and heard. People are more than just numbers and that’s at the forefront of our minds when making decisions and having conversations. When I’m not at work getting to know people and making relationships, I enjoy spending time with my wife, playing violin, and working out. I’m so grateful to be a part of this team and I’m excited to work with you and get to know your story. - Jack Fischer</image:caption>
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    <loc>https://www.intentionallegacyfp.com/march-cash-flow-aligned</loc>
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    <lastmod>2023-10-12</lastmod>
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  <url>
    <loc>https://www.intentionallegacyfp.com/february-living-aligned</loc>
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    <lastmod>2023-10-12</lastmod>
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      <image:title>February - Living Aligned - It’s about your life.</image:title>
      <image:caption>Money is a resource that allows us to live the life we want. We want to ensure that our clients are living now, not just tomorrow. There is immense value in planning for the future, but there is wisdom in accounting for the future while living in the present. We meet with our clients annually to discuss life, priorities, values, and goals. We want to ensure that each decision we make and action we take is consistent with what is important to our clients’ lives.</image:caption>
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      <image:title>In the Press</image:title>
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      <image:title>In the Press</image:title>
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      <image:title>In the Press</image:title>
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      <image:title>In the Press</image:title>
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      <image:title>In the Press</image:title>
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    <loc>https://www.intentionallegacyfp.com/june-estate-aligned</loc>
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    <lastmod>2023-10-12</lastmod>
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  <url>
    <loc>https://www.intentionallegacyfp.com/fee-structure</loc>
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    <lastmod>2024-03-13</lastmod>
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  <url>
    <loc>https://www.intentionallegacyfp.com/september-invest-aligned</loc>
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    <lastmod>2023-10-12</lastmod>
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  <url>
    <loc>https://www.intentionallegacyfp.com/famvestor</loc>
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    <lastmod>2023-10-12</lastmod>
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      <image:title>FamVestor - It was an honor &amp; a joy to speak with Sunny &amp; Sunmarie and share with you how Intentional Living FP helps families achieve Early Financial Independence.</image:title>
      <image:caption>We’d love to help guide your family to align your life &amp; your money so you can live the life you want to live. Put a time on Jim’s Calendar (just below) to talk through what it looks like do financial planning or if you would like to just ask a question about your financial life.</image:caption>
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  <url>
    <loc>https://www.intentionallegacyfp.com/beyondtherut</loc>
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    <lastmod>2023-10-12</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/6528628cfb4e45695512ac16/1697145494585-IVP3TWH6JUKYFDNVIX13/image-asset.jpeg</image:loc>
      <image:title>Beyond The Rut - It was an honor &amp; a joy to speak with Jerry &amp; share with you how Intentional Living FP helps families achieve early financial independence &amp; align their life &amp; money.</image:title>
      <image:caption>We’d love to help guide your family to align your life &amp; your money so you can live the life you want to live.</image:caption>
    </image:image>
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  <url>
    <loc>https://www.intentionallegacyfp.com/lets-chat</loc>
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    <lastmod>2024-02-07</lastmod>
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      <image:title>Let's Chat</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/1607694583486-2PQT0LQ193RL7MCB6DX4/20140228_Trade+151_0046.jpg</image:loc>
      <image:title>Let's Chat</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/1607694644871-IC85FNH781UNZSZEGHDR/Aro+Ha_0428.jpg</image:loc>
      <image:title>Let's Chat</image:title>
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  <url>
    <loc>https://www.intentionallegacyfp.com/contact</loc>
    <changefreq>daily</changefreq>
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    <lastmod>2024-02-07</lastmod>
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  <url>
    <loc>https://www.intentionallegacyfp.com/intentional-living</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2023-10-12</lastmod>
  </url>
  <url>
    <loc>https://www.intentionallegacyfp.com/intentional-entrepreneur</loc>
    <changefreq>daily</changefreq>
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    <lastmod>2023-10-12</lastmod>
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  <url>
    <loc>https://www.intentionallegacyfp.com/home-copy</loc>
    <changefreq>daily</changefreq>
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    <lastmod>2023-10-12</lastmod>
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    <image:image>
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    <image:image>
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    <image:image>
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  </url>
  <url>
    <loc>https://www.intentionallegacyfp.com/eternal-entrepreneur</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2023-10-12</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/6528628cfb4e45695512ac16/1697145498141-71PU2P5VAWVH3H367Y7H/Eternal+Entrepreneur+podcast.png</image:loc>
      <image:title>Eternal Entrepreneur - It was an honor &amp; a joy to speak with Pierce &amp; Joe to share with you the journey of starting &amp; building Intentional Living FP.</image:title>
      <image:caption>We’d love to help guide your family to align your life &amp; your money so you can live the life you want to live. Put a time on Jim’s Calendar (link just below) to talk through what it looks like do financial planning or if you would like to just ask a question about your financial life.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.intentionallegacyfp.com/january-accountsaligned</loc>
    <changefreq>daily</changefreq>
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    <lastmod>2023-10-12</lastmod>
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  <url>
    <loc>https://www.intentionallegacyfp.com/may-debt-aligned</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2023-10-12</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6528628cfb4e45695512ac16/1697145499548-QK5HRDKYC8E1OZBISNN5/trail.jpg</image:loc>
      <image:title>May - Debt Aligned - Ensure your debt isn’t managing you but being managed.</image:title>
      <image:caption>From Dave Ramsey to Robert Kiyosaki, wherever you fall on the spectrum of views on debt, we set this time aside to ensure your debt is appropriate and aligned with both your convictions and your plan. Leverage is a tool that can help accomplish great tasks, but it must be used with care. We review your debt and options for leverage to ensure that they’re working for your financial plan.</image:caption>
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  </url>
  <url>
    <loc>https://www.intentionallegacyfp.com/millennialinvesting</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2023-10-12</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/6528628cfb4e45695512ac16/1697145500793-WHYYW35J7GHBR8SIL5I0/Millenial+Investing+Updated.jpg</image:loc>
      <image:title>Millennial Investing - It was an honor &amp; a joy to speak with Clay &amp; share with you how Intentional Living FP helps families achieve early financial independence &amp; align their life &amp; money.</image:title>
      <image:caption>We’d love to help guide your family to align your life &amp; your money so you can live the life you want to live. Put 15 minutes on my calendar &amp; I’ll answer any questions.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.intentionallegacyfp.com/intentional-legacy</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2023-10-12</lastmod>
  </url>
  <url>
    <loc>https://www.intentionallegacyfp.com/intentional-physician</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2023-10-12</lastmod>
  </url>
  <url>
    <loc>https://www.intentionallegacyfp.com/empoweredandunapologetic</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2023-10-12</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6528628cfb4e45695512ac16/1697145502440-N1P3GXJONJUK5D7HY3XG/Empowered+and+Unapologetic+Cover+Art.jpg</image:loc>
      <image:title>Empowered &amp; Unapologetic - It was an honor &amp; a joy to speak with Veronica &amp; share with you how Intentional Living FP helps families achieve early financial independence &amp; align their life &amp; money.</image:title>
      <image:caption>We’d love to help guide your family to align your life &amp; your money so you can live the life you want to live.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.intentionallegacyfp.com/legal</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2023-10-12</lastmod>
  </url>
  <url>
    <loc>https://www.intentionallegacyfp.com/october-protect-aligned</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2023-10-12</lastmod>
  </url>
  <url>
    <loc>https://www.intentionallegacyfp.com/december-liquidity-aligned</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2023-10-12</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6528628cfb4e45695512ac16/1697145504019-C0XEEIQUNF4F71TWJU6G/image.jpg</image:loc>
      <image:title>December - Liquidity Aligned - Ensure you have the right amount in reserves.</image:title>
      <image:caption>An emergency fund is an essential part to a sound financial life. We set this time aside to ensure you have the right amount in your war chest, in the right accounts. Having an emergency fund can influence your plan’s flexibility and help with a good night’s sleep. Alternatively, an oversupply of cash can lead to portfolio drag and opportunity cost. We review your reserves to ensure you have the right amount in the right accounts, so your liquidity is put to its best use.</image:caption>
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  </url>
  <url>
    <loc>https://www.intentionallegacyfp.com/july-net-worth-aligned</loc>
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    <lastmod>2023-10-12</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/6528628cfb4e45695512ac16/1697145505682-8G4VNPTI5T2I8OAVPDV4/image.jpg</image:loc>
      <image:title>July - Net Worth Aligned - You’re worth more than your net worth, but it’s still a metric we track.</image:title>
      <image:caption>Assets minus liabilities. This simple snapshot is one of the most potent scorecards for your financial life. We set this time aside to review your net worth and your progress in relation to this key metric. We review this number to verify that your wealth is trending to fulfill your long term goals by comparing this snapshot to your number in previous years.</image:caption>
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  </url>
  <url>
    <loc>https://www.intentionallegacyfp.com/new-braunfels</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2023-10-12</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/6528628cfb4e45695512ac16/1697145507517-0A1P7S1O0KGMBQK1TNV0/Newest+Family+Pic.jpg</image:loc>
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  </url>
  <url>
    <loc>https://www.intentionallegacyfp.com/august-plan-aligned</loc>
    <changefreq>daily</changefreq>
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    <lastmod>2023-10-12</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6528628cfb4e45695512ac16/1697145509253-LSBMYNBU6KJN65XFE35C/perfect.jpg</image:loc>
      <image:title>August - Plan Aligned - The value isn’t in “the plan”; it’s in the planning.</image:title>
      <image:caption>Goals change, and that’s okay. Actually, it’s expected. We set this time aside to ensure the micro pieces remain aligned with your macro plan, even as that plan evolves. Your life is dynamic. A plan becomes obsolete the moment your life changes. We believe your planning should be agile and that the value is in the process of planning, not “the plan” itself. Beyond our monthly micro “Aligned” engagements, we take this time to review your plan in its entirety to ensure the sum of the parts are aligned with the whole.</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/6528628cfb4e45695512ac16/1697145510682-J79C3YSL9D2IN90I3OWA/Flower%2B1.jpg</image:loc>
      <image:title>April - Independence Aligned - Review your progress to financial independence.</image:title>
      <image:caption>We know you value the independence and freedom that comes with work optionality. We help you keep a pulse on your progress to financial independence. We estimate the number of years you could live on current assets and track your progress to financial independence. Our calculation includes cash, investments, real estate equity, and passive income sources.</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/6528628cfb4e45695512ac16/1697145512238-1CF9VF7ZDSNA0S5E0QSG/The+Amateur+Investors+Logo.png</image:loc>
      <image:title>Amateur Investors - It was an honor &amp; a joy to speak with Chris &amp; to share with you how Intentional Living FP uses bitcoin &amp; financial planning to help families achieve early financial independence.</image:title>
      <image:caption>We’d love to help you align your life &amp; your money so you can live the life you want to live.</image:caption>
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      <image:title>November - Tax Aligned - Death and taxes— both which we advocate you try to avoid.</image:title>
      <image:caption>Taxes can be quite…taxing. Taxes add up to be one of if not the most costly item in your life. We set this time aside to engage in tax planning. Proactive tax planning can lead to reduced tax liability. Through deliberate actions such as asset location, tax-loss harvesting, capital gain harvesting, Roth conversions, mega backdoor Roth conversions, business entity selection, and charitable giving strategies, our tax planning aims to help keep your taxes low today and tomorrow.</image:caption>
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      <image:title>The Brett Snodgrass Podcast - It was an honor &amp; a joy to speak with Brett &amp; share with you how Intentional Living FP helps families achieve early financial independence &amp; align their life &amp; money.</image:title>
      <image:caption>We’d love to help guide your family to align your life &amp; your money so you can live the life you want to live.</image:caption>
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