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    <loc>https://www.bedrockfh.com/blog/dealing-with-impulse</loc>
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    <lastmod>2022-02-09</lastmod>
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      <image:title>Blog - Dealing with Impulse - 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://www.bedrockfh.com/blog/our-mission-vision-and-values</loc>
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    <lastmod>2021-12-20</lastmod>
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      <image:title>Blog - Our Mission, Vision and Values - 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://www.bedrockfh.com/blog/holiday-planning</loc>
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    <lastmod>2021-12-14</lastmod>
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      <image:title>Blog - Holiday 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://www.bedrockfh.com/blog/planning-a-vacation</loc>
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    <priority>0.5</priority>
    <lastmod>2021-09-01</lastmod>
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      <image:title>Blog - Planning A Vacation - 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://www.bedrockfh.com/blog/what-to-do-with-your-tax-refund</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2021-07-08</lastmod>
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      <image:title>Blog - What to do with your tax refund - Start a rainy day fund</image:title>
      <image:caption>One of the most oft-quoted stats is that most people don’t have $400 saved for an emergency. Medical expenses, blown tires and car accidents, or lost jobs can occur at any time and wreck any financial planning being done. However, when the average refund is $2,893, this can set you up for success. This cushion allows for “life” to happen and for security to be felt.</image:caption>
    </image:image>
    <image:image>
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      <image:title>Blog - What to do with your tax refund - Invest in the stock market</image:title>
      <image:caption>This option is one that we suggest for people who have created a stable short-term financial picture and want to start investing in their future. The long-term rate of return is 9% in the stock market, while current rates of return on bank accounts are around .1%. A word of caution though: there are no guarantees in this. There is the risk of losing a portion or all of what is invested. Be prepared to let this money sit for a considerable amount of time, as fluctuations may occur with the value of your investment.</image:caption>
    </image:image>
    <image:image>
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      <image:title>Blog - What to do with your tax refund - 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/v1/5f8e593d952fb72ee7498293/1625762324664-CQTOZHEK6P9PYXP2Y2JI/image-asset.jpeg</image:loc>
      <image:title>Blog - What to do with your tax refund - Pay off credit card debt</image:title>
      <image:caption>This is a no-brainer for us. Most credit card companies charge north of 20% to carry a balance. When the average debt is $6,270, this extra interest can add up quickly. We like to look at this as an instant 20% return on investment, which can’t be beaten anywhere.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f8e593d952fb72ee7498293/1625762512772-BYOSKMULRR1CDNUO5ID5/image-asset.jpeg</image:loc>
      <image:title>Blog - What to do with your tax refund - Pay off student loan debt</image:title>
      <image:caption>While we are all hoping for some kind of federal relief for student loan debt, the average loan outstanding is $38,792 (see here). The time horizon for most people to pay off their student loans is 20 years. While we know the average tax return won’t wipe out student debt, every chunk taken out now saves significantly more time in the future.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f8e593d952fb72ee7498293/1625762939139-DY9OQVFJXTRZZGAQS180/image-asset.jpeg</image:loc>
      <image:title>Blog - What to do with your tax refund - Put it towards one of your financial goals</image:title>
      <image:caption>This is the fun category. We are huge advocates in putting your time and money towards the things that matter to you. What matters to you? These can be things like buying a car or house, funding a vacation, or having money set aside for gifts. There is no judgment here on the “object”, just that it is personal and significant to the individual.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f8e593d952fb72ee7498293/1625762701566-81R5IYZXH44PQZMEHTSG/image-asset.jpeg</image:loc>
      <image:title>Blog - What to do with your tax refund - Invest in you – school, languages, retraining, certifications</image:title>
      <image:caption>This is one that helps you build you into the person you want to be. What goals do you have? Where do you want to go next with your future? If you could have any career you want, what would that be? This money can go a long way to helping you fulfill your dreams.</image:caption>
    </image:image>
    <image:image>
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      <image:title>Blog - What to do with your tax refund - Fund your retirement</image:title>
      <image:caption>These are just some basic numbers for funding a retirement account. A contribution of $2,893 in a Roth IRA today would be worth $6,849 in 10 years, $16,214 in 20 years, $38,383 in 30 years, $90,867 in 40 years and $215,116 in 50 years. That means for the average 20 year old who retires at 70, a $2,893 investment today is expected to yield $215,116 in the future. This is the value of investing and compound interest in visual terms.</image:caption>
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  </url>
  <url>
    <loc>https://www.bedrockfh.com/blog/the-bedrock-of-bedrock</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2021-06-10</lastmod>
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      <image:title>Blog - The Bedrock of Bedrock - 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://www.bedrockfh.com/about</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2021-02-25</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f8e593d952fb72ee7498293/1614285789307-PAPDCGMCHUW0ZW0VIFMF/Hiking_Black.png</image:loc>
      <image:title>About Us</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f8e593d952fb72ee7498293/1614286423757-PIK9IAWAQONIGP1B6RDR/Perspective_Black.jpg</image:loc>
      <image:title>About Us - Perspective</image:title>
      <image:caption>Perspective Life has an endless amount of possibilities. Taking the time to step back and look at the whole picture will help you see past all of the distracting noise to find your path.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f8e593d952fb72ee7498293/1614286381368-R85IK1I2CAJPCFAIZAAR/Empathy_Black.jpg</image:loc>
      <image:title>About Us - Empathy</image:title>
      <image:caption>Empathy We all have a unique story. Walk a day in someone else’s shoes to try to understand how they might be feeling.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f8e593d952fb72ee7498293/1614286319749-EKKY2X6YB4FU9FF3AING/Authentic_Black.jpg</image:loc>
      <image:title>About Us - Authentic</image:title>
      <image:caption>Authentic We are all human. Spread kindness, love, and support that every person deserves.</image:caption>
    </image:image>
    <image:image>
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      <image:title>About Us - No Judgement</image:title>
      <image:caption>No Judgement Leave shame at the door and bring an open heart. Cultivate a space of inclusivity and respect for every single person.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f8e593d952fb72ee7498293/1614286294724-1BTSM4KLXTHB7HYVKBJD/Courage_Black.jpg</image:loc>
      <image:title>About Us - Courage</image:title>
      <image:caption>Courage Stand up to adversity. Face the unknown head on. Support those in need. Ask for help when you need it.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f8e593d952fb72ee7498293/1614286535634-455HLNKEWT0VFV4H23NN/Persistence_Black.jpg</image:loc>
      <image:title>About Us - Persistence</image:title>
      <image:caption>Persistence Never give up. Always keep striving to be your best self. The grass is greener on the other side.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f8e593d952fb72ee7498293/1611689625726-ZN93IZVZEYGW4GF9O9QH/BFH_Michael.png</image:loc>
      <image:title>About Us</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f8e593d952fb72ee7498293/1611689535258-EA3IAAGLZ9PTXKW9PKAM/BFH_Maureen.png</image:loc>
      <image:title>About Us</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.bedrockfh.com/get-started</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2021-08-24</lastmod>
  </url>
  <url>
    <loc>https://www.bedrockfh.com/home</loc>
    <changefreq>daily</changefreq>
    <priority>1.0</priority>
    <lastmod>2021-08-06</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f8e593d952fb72ee7498293/1614210105180-A9LPBSWA8TQ9C8KZM156/image-asset.png</image:loc>
      <image:title>Home - You Are Worthy</image:title>
      <image:caption>Regardless of the challenges life throws your way, you deserve the dignity of financial stability. We learn what supports you personally and share tools and techniques to help you manage your choices as well as your money—so you can thrive not just survive.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f8e593d952fb72ee7498293/1614211083196-TRKOR3YWY0P1RWGH9Z5I/Confidence+Photo.jpg</image:loc>
      <image:title>Home</image:title>
      <image:caption>Confidence</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f8e593d952fb72ee7498293/1614210896884-4RNUNF7RR4O85IR7IY1Y/Resiliency+Photo_Smaller+Version.jpg</image:loc>
      <image:title>Home</image:title>
      <image:caption>Resiliency</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f8e593d952fb72ee7498293/1614211026127-5FX8747BTMXQA2EC9SLC/Empowerment%2BPhoto.jpg</image:loc>
      <image:title>Home</image:title>
      <image:caption>Empowerment</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f8e593d952fb72ee7498293/1614376409994-6FI64OL079EC2AEORWTG/Empowerment_Black.png</image:loc>
      <image:title>Home - Empowerment</image:title>
      <image:caption>Crisis can feel crippling. Here, you’ll find empathy, personal attention and support you can trust to get back on your feet. We help you to identify your values, establish checks and balances to support them, understand consequences, receive compassionate guidance, feel your inherent worth and learn to make choices that positively reinforce it. The power is yours; we just show you how to wield it.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f8e593d952fb72ee7498293/1614271253803-ZC6C15MFAD3UB5RVFGZ4/No+Judgement_Black.png</image:loc>
      <image:title>Home - No Judgement</image:title>
      <image:caption>We’ve weathered all kinds of financial storms. We know how common, and challenging, financial struggles are. It’s why no-judgement is at the core of what we do. No matter what circumstances brought you to where you are, we respect your journey. We’re here to help you find your even keel and establish a navigation system to guide you to solid ground.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f8e593d952fb72ee7498293/1614271103153-W6UJAM9TBNXS3KNHK7OG/Authentic_Black.png</image:loc>
      <image:title>Home - Safe Haven</image:title>
      <image:caption>Life can be overwhelming. No one knows when life’s going to knock them down. What we do know is how to be a safe place for you to land, to be seen and heard, to be understood, to make mistakes, and learn how to move forward in ways that really work for you and your financial needs.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.bedrockfh.com/contact-us</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2021-07-12</lastmod>
  </url>
  <url>
    <loc>https://www.bedrockfh.com/faq</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2021-03-01</lastmod>
  </url>
  <url>
    <loc>https://www.bedrockfh.com/our-services</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2021-05-18</lastmod>
    <image:image>
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      <image:title>How We Work - Your Blueprint</image:title>
      <image:caption>After connecting one-on-one to listen to where you are coming from, we’ll show you how to see a big picture view of what is going on, investigate why it’s happening, then form a plan that aligns with your authentic needs and goals. We will focus on understanding what stabilizes you, so you can make choices that genuinely support and empower you. This custom blueprint becomes your personal road map to financial freedom—with you in the driver’s seat.  Start Your Blueprint</image:caption>
    </image:image>
    <image:image>
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      <image:title>How We Work</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f8e593d952fb72ee7498293/1614273408870-BBUL5D8DR8UP3FB51YO4/Icons.jpg</image:loc>
      <image:title>How We Work</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f8e593d952fb72ee7498293/1614273475649-0A6JK9YNF1HLU937IOQ4/Icons.jpg</image:loc>
      <image:title>How We Work</image:title>
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  </url>
  <url>
    <loc>https://www.bedrockfh.com/testimonials</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2021-02-02</lastmod>
  </url>
  <url>
    <loc>https://www.bedrockfh.com/resiliency</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2021-08-06</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f8e593d952fb72ee7498293/1614271103153-W6UJAM9TBNXS3KNHK7OG/Authentic_Black.png</image:loc>
      <image:title>Financial Resiliency Under Stress | Bedrock Financial Health - Safe Haven</image:title>
      <image:caption>Life can be overwhelming. No one knows when life’s going to knock them down. What we do know is how to be a safe place for you to land, to be seen and heard, to be understood, to make mistakes, and learn how to move forward in ways that really work for you and your financial needs.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f8e593d952fb72ee7498293/1614271253803-ZC6C15MFAD3UB5RVFGZ4/No+Judgement_Black.png</image:loc>
      <image:title>Financial Resiliency Under Stress | Bedrock Financial Health - No Judgement</image:title>
      <image:caption>We’ve weathered all kinds of financial storms. We know how common, and challenging, financial struggles are. It’s why no-judgement is at the core of what we do. No matter what circumstances brought you to where you are, we respect your journey. We’re here to help you find your even keel and establish a navigation system to guide you to solid ground.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f8e593d952fb72ee7498293/1614376562094-25B05NZECCFVF8UDB3KE/image-asset.png</image:loc>
      <image:title>Financial Resiliency Under Stress | Bedrock Financial Health - Empowerment</image:title>
      <image:caption>Crisis can feel crippling. Here, you’ll find empathy, personal attention and support you can trust to get back on your feet. We help you to identify your values, establish checks and balances to support them, understand consequences, receive compassionate guidance, feel your inherent worth and learn to make choices that positively reinforce it. The power is yours; we just show you how to wield it.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.bedrockfh.com/empowerment</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2021-08-06</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f8e593d952fb72ee7498293/1614271103153-W6UJAM9TBNXS3KNHK7OG/Authentic_Black.png</image:loc>
      <image:title>Empowering Financial Decisions | Bedrock Financial Health - Safe Haven</image:title>
      <image:caption>Life can be overwhelming. No one knows when life’s going to knock them down. What we do know is how to be a safe place for you to land, to be seen and heard, to be understood, to make mistakes, and learn how to move forward in ways that really work for you and your financial needs.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f8e593d952fb72ee7498293/1614376611913-MBR45KHD96OQM9XJ4G9C/image-asset.png</image:loc>
      <image:title>Empowering Financial Decisions | Bedrock Financial Health - Empowerment</image:title>
      <image:caption>Crisis can feel crippling. Here, you’ll find empathy, personal attention and support you can trust to get back on your feet. We help you to identify your values, establish checks and balances to support them, understand consequences, receive compassionate guidance, feel your inherent worth and learn to make choices that positively reinforce it. The power is yours; we just show you how to wield it.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f8e593d952fb72ee7498293/1614271253803-ZC6C15MFAD3UB5RVFGZ4/No+Judgement_Black.png</image:loc>
      <image:title>Empowering Financial Decisions | Bedrock Financial Health - No Judgement</image:title>
      <image:caption>We’ve weathered all kinds of financial storms. We know how common, and challenging, financial struggles are. It’s why no-judgement is at the core of what we do. No matter what circumstances brought you to where you are, we respect your journey. We’re here to help you find your even keel and establish a navigation system to guide you to solid ground.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.bedrockfh.com/confidence</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2021-08-06</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f8e593d952fb72ee7498293/1614271253803-ZC6C15MFAD3UB5RVFGZ4/No+Judgement_Black.png</image:loc>
      <image:title>Building Financial Confidence | Bedrock Financial Health - No Judgement</image:title>
      <image:caption>We’ve weathered all kinds of financial storms. We know how common, and challenging, financial struggles are. It’s why no-judgement is at the core of what we do. No matter what circumstances brought you to where you are, we respect your journey. We’re here to help you find your even keel and establish a navigation system to guide you to solid ground.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f8e593d952fb72ee7498293/1614271103153-W6UJAM9TBNXS3KNHK7OG/Authentic_Black.png</image:loc>
      <image:title>Building Financial Confidence | Bedrock Financial Health - Safe Haven</image:title>
      <image:caption>Life can be overwhelming. No one knows when life’s going to knock them down. What we do know is how to be a safe place for you to land, to be seen and heard, to be understood, to make mistakes, and learn how to move forward in ways that really work for you and your financial needs.</image:caption>
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      <image:title>Building Financial Confidence | Bedrock Financial Health - Empowerment</image:title>
      <image:caption>Crisis can feel crippling. Here, you’ll find empathy, personal attention and support you can trust to get back on your feet. We help you to identify your values, establish checks and balances to support them, understand consequences, receive compassionate guidance, feel your inherent worth and learn to make choices that positively reinforce it. The power is yours; we just show you how to wield it.</image:caption>
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