<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9" xmlns:image="http://www.google.com/schemas/sitemap-image/1.1" xmlns:xhtml="http://www.w3.org/1999/xhtml">
  <url>
    <loc>https://www.coffeeoptional.com.au/cases</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-10-17</lastmod>
  </url>
  <url>
    <loc>https://www.coffeeoptional.com.au/cases/jacks-story</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-10-26</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/683edec82e5cc958fc028b83/1760671837067-NTCNZ59X00XZ2B5V5NAA/unsplash-image-52jRtc2S_VE.jpg</image:loc>
      <image:title>Cases - Jack’s Story - 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.coffeeoptional.com.au/cases/jillians-story</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-09-09</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/683edec82e5cc958fc028b83/0ce0f493-77f3-4771-b6fe-6a318dac6658/jarl-schmidt-8qgFNfC2oAI-unsplash.jpg</image:loc>
      <image:title>Cases - Jillian’s Story - 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.coffeeoptional.com.au/cases/james-story</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-07-25</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/683edec82e5cc958fc028b83/1753329980016-IR77SYCSUJECKEQKVRY2/michael-hamments-7OBMHhhkgwI-unsplash+%281%29.jpg</image:loc>
      <image:title>Cases - James’ Story - 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.coffeeoptional.com.au/cases/janines-story</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-25</lastmod>
  </url>
  <url>
    <loc>https://www.coffeeoptional.com.au/cases/tag/Divorce</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.coffeeoptional.com.au/profiles</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-10-27</lastmod>
  </url>
  <url>
    <loc>https://www.coffeeoptional.com.au/profiles/lucy-percy</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-10-27</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/683edec82e5cc958fc028b83/424c6905-43c8-4113-b3bd-ebd5e80fc6bd/Lucy+Percy.webp</image:loc>
      <image:title>Profiles - Lucy Percy - Head and Heart Estate Planning</image:title>
      <image:caption>It wouldn’t surprise anybody reading this that with the way we have focused our practices, we’ve been able to work with lots of lawyers. The overlap between their areas of practice and the complexities we come across everyday is a pretty tight Venn diagram. One of the real upsides of this reality is that we’re fortunate to have a wide collection of people we can call and say “now, this might be a dumb question, but…”. And every one of them has been generous with their time and willingness to avoid rolling their eyes at our naivete! Especially helpful has been Lucy Percy of Head and Heart Estate Planning, in Albury. Lucy was one of the early guests on the Challenge the Standard Podcast, helping financial advisers understand how estate planning can work for their clients. She’s embraced the power of building a community online and growing a business that works for her and her family. Lucy was also good enough to suggest that we tag along to LawBizCon back in 2024 - which was terrific, educational fun! Over the years, Lucy’s helped us find answers to: A guardianship query for a client who’d bought a property with the best of intentions, but awful structuring decisions. Deciphering the wording used by one of the state compensation bodies when writing to a recently widowed client. What people can do to hold poorly behaving Powers of Attorney to account. Web LinkedIn Instagram CTS Episode</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.coffeeoptional.com.au/profiles/kellie-badge</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-10-27</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/683edec82e5cc958fc028b83/4cafd2ae-e736-46a5-97fe-7eb8d53d265a/ec52f319-a556-443c-a0f8-568d0983352a.png</image:loc>
      <image:title>Profiles - Kellie Badge - 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.coffeeoptional.com.au/profiles/vanessa-bennett</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-07-22</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/683edec82e5cc958fc028b83/3d51d1b0-1cba-49de-8909-d07447b422b1/Vanessa_col.jpg</image:loc>
      <image:title>Profiles - Vanessa Bennett - 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.coffeeoptional.com.au/profiles/abi-gatling-crisp-co</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-10-27</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/683edec82e5cc958fc028b83/fbb5dd53-2d01-498b-a194-0546bfae441e/Abi+Gatling+-+Photo.jpg</image:loc>
      <image:title>Profiles - Abi Gatling - 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.coffeeoptional.com.au/profiles/category/Services</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.coffeeoptional.com.au/profiles/category/Accounting</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.coffeeoptional.com.au/profiles/category/Legal</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.coffeeoptional.com.au/profiles/category/Financial</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.coffeeoptional.com.au/profiles/category/IT</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.coffeeoptional.com.au/profiles/category/Marketing</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.coffeeoptional.com.au/profiles/category/Other</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.coffeeoptional.com.au/profiles/tag/Professional+Practitioner+Profile</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.coffeeoptional.com.au/profiles/tag/Estate+Lawyer</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.coffeeoptional.com.au/profiles/tag/Forensic</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.coffeeoptional.com.au/profiles/tag/Marketing</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.coffeeoptional.com.au/profiles/tag/Provider</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.coffeeoptional.com.au/activity</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-10-27</lastmod>
  </url>
  <url>
    <loc>https://www.coffeeoptional.com.au/activity/september-2025</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-10-27</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/683edec82e5cc958fc028b83/ddd8fb24-284d-42a9-b257-54b6fbf5c597/IMG-20250917-WA0015.jpg</image:loc>
      <image:title>Activity - September 2025</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/683edec82e5cc958fc028b83/b4c1886a-d2d7-4c37-bcc0-67e4c85b130f/Darthan.png</image:loc>
      <image:title>Activity - September 2025 - Advisely Contribution</image:title>
      <image:caption>The Dark Side of Niching Featuring Nathan’s shot-for-shot recreation of a scene from Return of the Jedi…</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/683edec82e5cc958fc028b83/005930bf-4c00-46d4-968c-b14a1e10ad81/ifa+Logo.png</image:loc>
      <image:title>Activity - September 2025 - Featured in the following articles: Empathy and Ethics in Divorce - Article</image:title>
      <image:caption>Family Oriented Advice FAAA Non-Compete Issues ‘Tsunami’ of Retirees to Triple Demand</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/683edec82e5cc958fc028b83/bbb69bf4-f559-4d19-ab8b-3b8a859583fc/Screenshot+2025-10-27+144054.png</image:loc>
      <image:title>Activity - September 2025 - Nathan Retire Right Podcast</image:title>
      <image:caption>337 - Granny Flats 338 - How Much Do You Need To Retire In Australia 339 - Aged Care Case Study</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.coffeeoptional.com.au/activity/august-2025</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-10-17</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/683edec82e5cc958fc028b83/f0914249-f8ac-43a9-bca8-efed768955da/FSP50+2025+LinedIn_VoteforMe.png</image:loc>
      <image:title>Activity - August 2025 - Financial Standard Power50 Shortlist</image:title>
      <image:caption>Both Nathan and Jordan have been shortlisted for the Power50 this year - a list of the 50 most influential financial advisers in the country. If it helps, we’ve also recorded some videos supporting our campaigns… Jordan Nathan</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/683edec82e5cc958fc028b83/0aa7df18-d40e-4a41-8055-f990ac37265c/Screenshot+2025-07-24+140848.png</image:loc>
      <image:title>Activity - August 2025 - Opinion Piece in Independent Financial Adviser</image:title>
      <image:caption>The way the finance product industry treats the elderly is a real problem.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/683edec82e5cc958fc028b83/1c6ee85d-f693-4196-8a6a-479bbe648354/TKL+Day.jpeg</image:loc>
      <image:title>Activity - August 2025</image:title>
      <image:caption>The Kind Lawyers - Conversation Day Panel Part of a panel discussion around “Aggression Vs Advocacy” in written communciation in family law matters. Working with Pepe Kish, Joe Buckley, Marguerite Picard and Sallyanne Hartnell.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/683edec82e5cc958fc028b83/6e79bbb9-1d57-4ea0-84e8-4e64599f5b28/Zurich+CPD.jpeg</image:loc>
      <image:title>Activity - August 2025</image:title>
      <image:caption>Bridging the Risk Insurance Gap for Women Sharing some insights with the team at Zurich for their online, national roadshow for financial advisers - discussing the importance of tailoring our approach and advice when working with women.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/683edec82e5cc958fc028b83/3f2ae670-a3aa-4e81-92a4-04e334b7eb04/WhatsApp+Image+2025-08-27+at+4.35.46+PM.jpeg</image:loc>
      <image:title>Activity - August 2025 - Guest Lecture - University of Sydney</image:title>
      <image:caption>Presenting to behavioural finance students on the Human Side of Advice, and Ethical Investing.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.coffeeoptional.com.au/activity/july-2025</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-08-27</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/683edec82e5cc958fc028b83/9813511d-cbd1-4c25-8e65-be5a2f18b10c/Fin+Adv+Life+Trans.jpg</image:loc>
      <image:title>Activity - July 2025</image:title>
      <image:caption>Presentation On ‘Financial Advice Through Life’s Big Transitions’ (Where I got to explain why financial advice is like a cross between architecture and windscreen wipers…)</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/683edec82e5cc958fc028b83/0aa7df18-d40e-4a41-8055-f990ac37265c/Screenshot+2025-07-24+140848.png</image:loc>
      <image:title>Activity - July 2025 - Opinion Piece in Independent Financial Adviser</image:title>
      <image:caption>The way the finance product industry treats the elderly is a real problem.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/683edec82e5cc958fc028b83/7d22eb2c-be84-45e5-ae59-58e2518b51f5/Activator+Announcement+-+Jordan.jpg</image:loc>
      <image:title>Activity - July 2025</image:title>
      <image:caption>Preparing for The Kind Lawyers Panel Discussion Part of a panel discussion around “Aggression Vs Advocacy” for The Kindness in Law Conversation Day. Working with Pepe Kish, Joe Buckley, Marguerite Picard and Sallyanne Hartnell - looking forward to this one.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/683edec82e5cc958fc028b83/418abeb5-489a-4478-a22c-b91b98daa2d3/MELCA.jpg</image:loc>
      <image:title>Activity - July 2025 - Financial Neutral - Interdisciplinary Collaborative Divorce Matter</image:title>
      <image:caption>Working as part of a collaborative team to help the parties navigate a very complex emotional, financial and personal divorce and settlement negotiation.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.coffeeoptional.com.au/activity/june-2025</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-25</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/683edec82e5cc958fc028b83/4a063220-d122-412e-9a6c-bde8fe1d5815/JV+IFA+Interview.png</image:loc>
      <image:title>Activity - June 2025 - Advisers Role In Facilitating ‘Taboo’ Money Discussions</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/683edec82e5cc958fc028b83/78cc16e6-48af-47bb-aeeb-ca3725024333/Nathan+Panel.jpg</image:loc>
      <image:title>Activity - June 2025</image:title>
      <image:caption>The Growth Debate with Advisely</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/683edec82e5cc958fc028b83/8410bdac-5947-4e55-b86e-723d40ab136e/NAthan+money+puzzle.png</image:loc>
      <image:title>Activity - June 2025 - Money Puzzle Podcast with James Kirby</image:title>
      <image:caption>Divorce - Your Financial Guide</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/683edec82e5cc958fc028b83/1c210d7a-f5dc-4e5c-899f-1725b0e05e67/Nathan+Rask.png</image:loc>
      <image:title>Activity - June 2025 - The Rask Retirement Right Podcast</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/683edec82e5cc958fc028b83/4b7d5593-1d6b-4176-8a54-18eeab80078d/Nathan+RIAA.jpg</image:loc>
      <image:title>Activity - June 2025 - Responsible Investment Association of Australasia - Panel Discussion</image:title>
      <image:caption>Preparing Clients for Tomorrow’s Investment Landscape</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/683edec82e5cc958fc028b83/c695d8cd-7a69-41cb-9b29-13b50d294a08/Div+Dyn+CPD1.jpg</image:loc>
      <image:title>Activity - June 2025 - Divorce Dynamics - Ethical Considerations in Financial Planning</image:title>
      <image:caption>Continuing Education presentation for financial advisers (registration required)</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/683edec82e5cc958fc028b83/e33e9344-1e46-4178-9c43-6d27d990027e/JV+FS+Interview.png</image:loc>
      <image:title>Activity - June 2025 - Podcast - Financial Standard</image:title>
      <image:caption>Navigating Sensitive Client Conversations with Cara Graham</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/683edec82e5cc958fc028b83/9ef1b790-c055-43ee-8f85-97c4bbf4346c/TGIG+Rebuilding+After+Divorce.png</image:loc>
      <image:title>Activity - June 2025 - Podcast - The Grass is Greener Podcast - Rebuilding After Divorce</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.coffeeoptional.com.au/get-started</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-06-19</lastmod>
  </url>
  <url>
    <loc>https://www.coffeeoptional.com.au/about</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-10-27</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/683edec82e5cc958fc028b83/8c928bd2-2ff1-4465-8c6f-ed435435d0b0/IMG-20250917-WA0055.jpg</image:loc>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/633b294d82b30f28aa639469/e8afaa54-78b9-464f-a21b-34efb1329d90/Arc.png</image:loc>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/683edec82e5cc958fc028b83/505d60fe-b96d-4eb2-b906-008b8bb08df7/NathanFradley.jpg</image:loc>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/683edec82e5cc958fc028b83/4f53b241-cd72-4e08-b4f5-833bc552d7d6/IMG-20250917-WA0036.jpg</image:loc>
    </image:image>
  </url>
  <url>
    <loc>https://www.coffeeoptional.com.au/home</loc>
    <changefreq>daily</changefreq>
    <priority>1.0</priority>
    <lastmod>2025-10-27</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/683edec82e5cc958fc028b83/e421be5c-8f9c-4029-9683-c369ee9596a2/Cormorant+Garamond+%281920+x+1080+px%29+%281500+x+1500+px%29.png</image:loc>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/683edec82e5cc958fc028b83/171a66fb-c57c-4b0a-8bc5-69ed7ed44970/Untitled+design+%283%29.png</image:loc>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/633b294d82b30f28aa639469/ec6f9f0f-a669-41c8-bff6-732f71e883c5/Arc.png</image:loc>
    </image:image>
  </url>
  <url>
    <loc>https://www.coffeeoptional.com.au/how-we-help</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-07-25</lastmod>
  </url>
</urlset>

