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    <loc>https://www.athenawealth.nz/blog/parenthood-gender-equity-and-retirement-what-couples-can-do</loc>
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    <lastmod>2025-11-12</lastmod>
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      <image:title>Library - Parenthood, Gender Equity, and Retirement: What Couples Can Do - 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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    <loc>https://www.athenawealth.nz/blog/how-self-employed-professionals-can-boost-their-retirement-savings-practical-steps-amp-expert-help</loc>
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    <lastmod>2025-09-24</lastmod>
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      <image:title>Library - How Self-Employed Professionals Can Boost Their Retirement Savings. - Are you a contractor, freelancer, consultant, or sole trader?</image:title>
      <image:caption>You’re not alone—over 420,000 New Zealanders are self-employed. But when it comes to retirement savings, many self-employed professionals are falling behind. A recent research published by Hnry &amp; the Retirement Commissioner’s office confirms the situation in NZ. Here’s what you need to know, and how Athena Wealth can help you take control of your financial future.</image:caption>
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    <loc>https://www.athenawealth.nz/blog/midlife-money-makeover-5-tips-for-women-to-thrive-financially</loc>
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    <lastmod>2025-09-24</lastmod>
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      <image:title>Library - Midlife Money Makeover: 5 Tips for  Women to Thrive Financially</image:title>
      <image:caption>From a personal financial planning perspective, women in mid-life face significant challenges that impact their financial security as they approach retirement. Proactive strategies in areas noted below are crucial for navigating these issues and building a stable financial future. 5 ways how we can address these challenges and improve our financial well-being.</image:caption>
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    <lastmod>2025-08-27</lastmod>
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      <image:title>Library - Falling Fertility Rates call for a Mindset Change: Impact on Financial Planning in NZ. - In a world increasingly shaped by demographic shifts, the global decline in fertility is more than a statistical trend—it’s a mirror reflecting our evolving values, economic structures, and social contracts. Nobel Laureate Claudia Goldin's research in Downside of Fertility offers a compelling narrative that challenges conventional thinking and urges us to reconsider what progress truly means. As a Financial Planner, the research findings provoked me to think about how I can guide couples aspiring to start a life together and create a family.</image:title>
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    <image:image>
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      <image:title>Library - Falling Fertility Rates call for a Mindset Change: Impact on Financial Planning in NZ.</image:title>
      <image:caption>3. Invest in Shared Responsibility • Fertility rates are higher in societies where men contribute more to household and childcare duties [1]. Financial Planning Tip: Budget for outsourced support (e.g., nannies, cleaners) if equitable division of labour is difficult. This can reduce stress and support both partners’ careers.</image:caption>
    </image:image>
    <image:image>
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      <image:title>Library - Falling Fertility Rates call for a Mindset Change: Impact on Financial Planning in NZ. - Education costs in New Zealand</image:title>
      <image:caption>• In some cultures, raising children is seen as a competitive investment (e.g., tutoring, private schooling), which discourages lower-income families from having children [1]. Financial Planning Tip: Define your values around parenting. Create a realistic education and enrichment budget that aligns with your lifestyle and avoids unnecessary financial pressure.</image:caption>
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    <loc>https://www.athenawealth.nz/blog/empowering-women-over-50-your-financial-future-starts-now</loc>
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    <priority>0.5</priority>
    <lastmod>2025-07-24</lastmod>
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      <image:title>Library - Empowered Women Over 50: Your Financial Future Starts Now - 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.athenawealth.nz/blog/empowering-women-over-50-navigating-financial-challenges-in-self-employment</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-07-24</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/605ec87ae87f9140188ce15e/1c1a29f2-c45e-4945-8fd9-e4dc5afd922e/blog+50+sel+e%2Cploy+linkedin.png</image:loc>
      <image:title>Library - Empowering Women Over 50: Navigating Financial Challenges in Self-Employment - 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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  <url>
    <loc>https://www.athenawealth.nz/blog/4xj8k9ert47n5z68tjq2ruon93x7wd</loc>
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    <priority>0.5</priority>
    <lastmod>2025-07-17</lastmod>
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      <image:title>Library - Your Money, Protected: What the Deposit Takers Act Means for You - 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.athenawealth.nz/blog/dh5noblbovgdcth8e5akh9cpwx9ydf</loc>
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    <priority>0.5</priority>
    <lastmod>2025-04-30</lastmod>
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      <image:title>Library - Diving into the New Zealand Residential Rental Market - Is it Right for You?</image:title>
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  <url>
    <loc>https://www.athenawealth.nz/blog/iwd-special-a-bi-lingual-chat-on-the-importance-of-financial-capability</loc>
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    <priority>0.5</priority>
    <lastmod>2025-03-07</lastmod>
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  <url>
    <loc>https://www.athenawealth.nz/blog/mortgage-rates-or-td-rates-whats-on-your-mind</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-02-19</lastmod>
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      <image:title>Library - Mortgage rates or TD rates, what’s on your mind? - Make it stand out</image:title>
      <image:caption>Photo by Kuba Żerdzicki</image:caption>
    </image:image>
    <image:image>
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      <image:title>Library - Mortgage rates or TD rates, what’s on your mind? - Make it stand out</image:title>
      <image:caption>Photo by Ben Mack</image:caption>
    </image:image>
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  <url>
    <loc>https://www.athenawealth.nz/blog/how-to-manage-foro</loc>
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    <lastmod>2025-02-05</lastmod>
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      <image:title>Library - How to manage “FORO”? - Make it stand out</image:title>
      <image:caption>New Zealand Retirement Expenditure Guidelines 2024</image:caption>
    </image:image>
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  <url>
    <loc>https://www.athenawealth.nz/blog/smile-retirement-lifestyle-is-manageable</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-02-05</lastmod>
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      <image:title>Library - “SMILE” retirement lifestyle is manageable! - 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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  <url>
    <loc>https://www.athenawealth.nz/blog/finances-after-separation-or-relationship-change</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-12-02</lastmod>
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      <image:title>Library - Taking Control of Your Financial Future After Separation - 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/v1/605ec87ae87f9140188ce15e/1560d87d-6bc4-4948-ba67-5a10a8fa3875/GenderPayGapNZ-+StatsNZJune2024.JPG</image:loc>
      <image:title>Library - Taking Control of Your Financial Future After Separation - 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.athenawealth.nz/blog/why-work-with-a-financial-planner</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-11-25</lastmod>
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  <url>
    <loc>https://www.athenawealth.nz/blog/value-of-an-adviser</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-09-15</lastmod>
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      <image:title>Library - Value of an Adviser - 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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  <url>
    <loc>https://www.athenawealth.nz/blog/mind-the-gap-gender-wealth-gap</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-07-24</lastmod>
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  <url>
    <loc>https://www.athenawealth.nz/blog/honouring-a-legacy-inherited-money</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-07-23</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/605ec87ae87f9140188ce15e/9724b715-dad5-440c-8f25-9787a92879be/InheritancewithAthenaWealth.png</image:loc>
      <image:title>Library - Honouring a Legacy: How to Manage Inherited Money for Future Generations - 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.athenawealth.nz/blog/2024-newsletter</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-06-14</lastmod>
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  <url>
    <loc>https://www.athenawealth.nz/blog/financial-planning-for-women-auckland-nz-nobelprize-claudiagoldin</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-08-27</lastmod>
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      <image:title>Library - Claudia Goldin Wins Nobel in Economics for Studying Women in the Work Force. - 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.athenawealth.nz/blog/financial-goals-in-retirement-a-moving-target</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-12-27</lastmod>
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      <image:title>Library - Financial goals in Retirement, a moving target. - 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.athenawealth.nz/blog/su1jruzlzwzuohd9st5fl6ds300v38</loc>
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    <priority>0.5</priority>
    <lastmod>2023-12-14</lastmod>
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      <image:title>Library - Have investment markets been NAUGHTY or NICE in 2023? - Make it stand out</image:title>
      <image:caption>Dated 11 December 2023. Chart courtesy Google Finance- Link here</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/605ec87ae87f9140188ce15e/c65650f6-fa2f-4a7c-8ac7-00c792ec8932/Website+picture+FP++Cover.png</image:loc>
      <image:title>Library - Have investment markets been NAUGHTY or NICE in 2023? - 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.athenawealth.nz/blog/41cdfgk3yskk77wmoju7fjwiut0dol</loc>
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    <priority>0.5</priority>
    <lastmod>2023-08-27</lastmod>
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  <url>
    <loc>https://www.athenawealth.nz/blog/9icv2bfrv3orixd998o3c7dr378yfc</loc>
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    <priority>0.5</priority>
    <lastmod>2023-05-13</lastmod>
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      <image:title>Library - Money Savings Tips from Mums - 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.athenawealth.nz/blog/candid-thoughts-on-financial-planning-and-wellness</loc>
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    <lastmod>2022-10-24</lastmod>
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  <url>
    <loc>https://www.athenawealth.nz/blog/an-easy-way-to-track-where-your-money-is-going</loc>
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    <lastmod>2022-10-24</lastmod>
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    <loc>https://www.athenawealth.nz/blog/financial-independence-gives-you-choices-in-life</loc>
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    <priority>0.5</priority>
    <lastmod>2022-09-04</lastmod>
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      <image:title>Library - Financial Independence Gives You Choices In Life - 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.athenawealth.nz/blog/women-are-capable-cfos-in-most-households-but</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-09-04</lastmod>
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      <image:title>Library - Women Are Capable CFO’s In Most Households But……</image:title>
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    <loc>https://www.athenawealth.nz/blog/should-i-talk-to-an-adviser-or-should-i-just-do-it-myself</loc>
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    <priority>0.5</priority>
    <lastmod>2022-09-04</lastmod>
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  <url>
    <loc>https://www.athenawealth.nz/blog/volatile-times</loc>
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    <priority>0.5</priority>
    <lastmod>2022-09-04</lastmod>
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      <image:title>Library - Volatile Times.</image:title>
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    <loc>https://www.athenawealth.nz/blog/rising-costs-how-to-cope</loc>
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    <lastmod>2022-09-04</lastmod>
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      <image:title>Library - Rising Costs: How To Cope</image:title>
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    <loc>https://www.athenawealth.nz/blog/how-you-deal-with-insurance-is-slightly-different</loc>
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    <priority>0.5</priority>
    <lastmod>2022-09-04</lastmod>
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      <image:title>Library - "Set And Forget" Might Work For Investments, But How You Deal With Insurance Is Slightly Different!</image:title>
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    <loc>https://www.athenawealth.nz/blog/are-you-tracking-well-to-retire-in-nz</loc>
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    <priority>0.5</priority>
    <lastmod>2022-09-04</lastmod>
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      <image:title>Library - Are You Tracking Well To Retire In NZ?</image:title>
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    <loc>https://www.athenawealth.nz/blog/find-out-your-attitude-to-money</loc>
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    <lastmod>2022-09-04</lastmod>
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  <url>
    <loc>https://www.athenawealth.nz/blog/a-good-place-to-check-how-you-are-tracking</loc>
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    <lastmod>2022-09-04</lastmod>
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      <image:title>Your Journey | Athena Wealth - Make it stand out</image:title>
      <image:caption>Explore our Library section for more information on financial planning and investment.</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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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>About Us - 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:caption>IFA / Financial Advice NZ Conference | Speaking on Investor Behaviour, 2018</image:caption>
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      <image:title>Your Journey (Copy) - Make it stand out</image:title>
      <image:caption>Explore our Library section for more information on financial planning and investment.</image:caption>
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      <image:title>Investment Management | Athena Wealth - Investment Portfolio Management</image:title>
      <image:caption>Our investment portfolio construction and ongoing management take into account the client’s specific circumstances to assess the risk-return profile and provide customised investment portfolios to suit you. We provide non-discretionary investment management service which means you are fully informed and involved in changes that affect your portfolio. Our independence allows us to give the most suitable investment advice for you, our client. We provide full disclosure on who we are and what we do so you can make fully informed decisions.  We advise on a wide range of financial products and issuers including (but not limited): •      Shares of listed companies •      Shares of listed property companies and real estate investment trusts •      Managed funds including KiwiSaver and superannuation •      Exchange Traded Funds (ETFs) and investment trusts •      Bonds (domestic and foreign), including Government, Local Authority, and corporate bonds We do not receive any commissions or trail fees from any of the product providers or fund managers. Ongoing investment portfolio management service includes regular monitoring, rebalancing risk, administration and reporting on your investments. The fees for this service is charged as a percentage of the total amount we manage for you.</image:caption>
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