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      <image:caption>Allen Giese, ChFC, CLU President, Investment Advisor Representative</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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    <loc>https://www.northstarplanners.com/christmas</loc>
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    <lastmod>2024-08-21</lastmod>
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      <image:title>Christmas - 2022 - Doh! There’s no place like Homer for the holidays</image:title>
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      <image:title>Christmas - 2022 - Doh! There’s no place like Homer for the holidays</image:title>
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      <image:title>Christmas - 2021 - Happy Holidays!</image:title>
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    <image:image>
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      <image:title>Christmas - 2020 - Zooming into 2021</image:title>
      <image:caption>CLOCKWISE FROM TOP: Allen Giese, Stacy Saavedra, Steve Tepper, Gary Gonzalez, Richard Lottier, and Gary Glanz.</image:caption>
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    <image:image>
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      <image:title>Christmas - 2019 - The Team</image:title>
      <image:caption>Back Row: Gonzo Burns, Tepper John, Radar O’Glanz Front Row: Hot Lips Saavedra, Hawkeye Rich and Colonel Giese</image:caption>
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      <image:title>Christmas - 2018 - The Team</image:title>
      <image:caption>CLOCKWISE FROM TOP: Steve “Wild Thing” Tepper, Allen “The Duke” Giese, Gary “Grand Slam” Glanz, Gary “Gonzo” Gonzalez, Andrew “Ace” Giese, Richard “ Money” Lottier, and Stacy”Saavage” Saavedra.</image:caption>
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      <image:title>Christmas - 2017 - Your Fearless Crew!</image:title>
      <image:caption>CLOCKWISE FROM TOP: GARY GONZALEZ, *LOVEY, STACY, ALLEN, MIA, GARY GLANZ &amp; STEVE (*LOVEY IS NOT ASSOCIATED WITH NORTHSTAR AT THE MOMENT).</image:caption>
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      <image:title>Christmas</image:title>
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    <image:image>
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      <image:title>Christmas - 2016 – Have a MARVELous Year!</image:title>
      <image:caption>L-R: MIA, GARY GLANZ, ALLEN, STEVE, STACY &amp; GARY GONZALEZ</image:caption>
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    <image:image>
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      <image:title>Christmas - 2015 – Live Long and Have a Prosperous New Year</image:title>
      <image:caption>CLOCKWISE FROM TOP: GARY GONZALEZ, *PAVEL, CANDY, MIA, *HIKARU, STEVE, ALLEN, &amp; GARY GLANZ (*PAVEL &amp; HIKARU ARE NOT ASSOCIATED WITH NORTHSTAR AT THIS TIME).</image:caption>
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      <image:title>Christmas - 2014 – Over The Rainbow</image:title>
      <image:caption>FROM LEFT: CANDY, STEVE, MIA, ALLEN, GARY GLANZ, GARY GONZALEZ</image:caption>
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    <image:image>
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      <image:title>Christmas - 2013 – Baby Pictures</image:title>
      <image:caption>CLOCKWISE FROM TOP: ALLEN, STEVE, CANDY, GARY GLANZ, GARY GONZALEZ</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5aa1862fda02bccbc44267f2/1525302700256-QPE0OJ8054S76DEROCJF/pic-2012-lg.jpg</image:loc>
      <image:title>Christmas - 2012 – Fine Art</image:title>
      <image:caption>THE FINE ART OF WEALTH MANAGEMENT</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5aa1862fda02bccbc44267f2/1525302709505-PUAWL706BAH5TCA87ERM/pic-2011-lg.jpg</image:loc>
      <image:title>Christmas - 2011 – The iPlan</image:title>
      <image:caption>GOOD CALL!</image:caption>
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    <image:image>
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      <image:title>Christmas - 2010 – Sergeant Allen’s Northstar Band</image:title>
      <image:caption />
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5aa1862fda02bccbc44267f2/1525302719671-K8NQFVW0GES4O0F7O9BZ/pic-2009.jpg</image:loc>
      <image:title>Christmas - 2009 – A Monumental New Direction</image:title>
      <image:caption>BACK ROW, LEFT TO RIGHT: ALLEN, GARY GLANZ, GARY GONZALEZ, STEVE</image:caption>
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      <image:title>Christmas - 2008 – Seriously?</image:title>
      <image:caption />
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    <image:image>
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      <image:title>Christmas - 2007 – All For One and One For All</image:title>
      <image:caption />
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      <image:title>Christmas - 2006 – We Got Some Strange Looks</image:title>
      <image:caption>LOOK CLOSELY INTO THE CRYSTAL BALL !</image:caption>
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      <image:title>Christmas - 2005 – The Beach Formal</image:title>
      <image:caption>LEFT TO RIGHT: ALLEN, CANDY AND GARY</image:caption>
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    <image:image>
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      <image:title>Christmas - 2004 – The Beach</image:title>
      <image:caption>LEFT TO RIGHT: GARY, CANDY AND ALLEN</image:caption>
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      <image:title>Christmas - 2022 - Doh! There’s no place like Homer for the holidays</image:title>
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    <loc>https://www.northstarplanners.com/contact-us</loc>
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    <priority>0.75</priority>
    <lastmod>2024-08-20</lastmod>
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      <image:title>Plantation FL Financial Planner</image:title>
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    <loc>https://www.northstarplanners.com/new-blog</loc>
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    <lastmod>2025-12-18</lastmod>
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    <loc>https://www.northstarplanners.com/new-blog/concentration-concerns</loc>
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    <priority>0.5</priority>
    <lastmod>2026-03-26</lastmod>
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      <image:title>Blog - Concentration Concerns - Make it stand out</image:title>
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      <image:title>Blog - Concentration Concerns - Make it stand out</image:title>
      <image:caption>Source: Dimensional. Weight determined by constituent percentage of each respective index at the issuer level. Indices are not available for direct investment. Their performance does not reflect the expenses associated with the management of an actual portfolio. S&amp;P data © 2026 S&amp;P Dow Jones Indices LLC, a division of S&amp;P Global. MSCI data © MSCI 2026, all rights reserved.</image:caption>
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    <loc>https://www.northstarplanners.com/new-blog/when-markets-turn-our-philosophy-doesnt</loc>
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    <priority>0.5</priority>
    <lastmod>2026-03-25</lastmod>
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      <image:title>Blog - When Markets Turn, Our Philosophy Doesn’t - 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.northstarplanners.com/new-blog/why-your-adult-children-need-to-know-about-the-family-money-even-if-it-feels-awkward</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-03-11</lastmod>
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      <image:title>Blog - Why Your Adult Children Need to Know About the Family Money (Even If It Feels Awkward) - 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.northstarplanners.com/new-blog/northstar-financial-planners-sponsors-fight-for-air-climb-miami-for-third-consecutive-year</loc>
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    <lastmod>2026-03-05</lastmod>
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    <loc>https://www.northstarplanners.com/new-blog/the-one-constant-change</loc>
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    <lastmod>2026-02-25</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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    <loc>https://www.northstarplanners.com/new-blog/video-should-you-use-a-wealth-manager-for-your-frs-retirement</loc>
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    <lastmod>2026-02-13</lastmod>
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    <loc>https://www.northstarplanners.com/new-blog/hsas-your-triple-tax-advantaged-secret-weapon-for-retirement</loc>
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    <lastmod>2026-02-13</lastmod>
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      <image:title>Blog - HSAs: Your Triple-Tax-Advantaged Secret Weapon for Retirement - 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.northstarplanners.com/new-blog/how-technology-is-transforming-tax-efficiency-inside-mutual-funds</loc>
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    <lastmod>2026-01-27</lastmod>
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      <image:title>Blog - How Technology Is Transforming Tax Efficiency Inside Mutual Funds - Make it stand out</image:title>
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      <image:caption>Source: Goldstein, Hershfield and Benartzi, 2016</image:caption>
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      <image:caption>Past performance is not a guarantee of future results.</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>Blog - Tariff Target Markets - Make it stand out</image:title>
      <image:caption>Past performance is not a guarantee of future results. Actual returns may be lower.</image:caption>
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      <image:title>Blog - Northstar Financial Planners Sponsors Fight For Air Climb - Miami for Second Consecutive Year</image:title>
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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>Blog - Northstar Financial Planners Supports Firefighters at Local 1403 Super Bowl Charity Watch Party</image:title>
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      <image:title>Blog - Benefits of Diversification—a College Football Analogy - Make it stand out</image:title>
      <image:caption>Source: Northstar Financial Planners.</image:caption>
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      <image:title>Blog - Benefits of Diversification—a College Football Analogy - Make it stand out</image:title>
      <image:caption>Source: Northstar Financial Planners.</image:caption>
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      <image:caption>Past performance is not a guarantee of future results.</image:caption>
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      <image:caption>Debt figures are based on General Government Debt data from the Global Debt Database published by the International Monetary Fund. MSCI index returns are net dividends, in USD. MSCI data © MSCI 2023, all rights reserved.</image:caption>
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      <image:title>Blog - Over the Top - Make it stand out</image:title>
      <image:caption>FOOTNOTES [1]  Weights as of June 30, 2023. Past performance is no guarantee of future results. Indices are not available for direct investment; therefore, their performance does not reflect the expenses associated with the management of an actual portfolio. US and global ex US markets represented by, respectively, the Russell 3000 Index and the MSCI All Country World ex USA Index (net dividends). The top seven contributors are the top return contributors specific to each index. Frank Russell Company is the source and owner of the trademarks, service marks, and copyrights related to the Russell Indexes. MSCI data © MSCI 2023, all rights reserved.</image:caption>
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      <image:caption>Past performance is not a guarantee of future results. The information in this material is intended for the recipient’s background information and use only. It is provided in good faith and without any warranty or representation as to accuracy or completeness.</image:caption>
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      <image:caption>Source: Bloomberg. Sample period begins with the first full month of returns for AI Powered Equity ETF. Past performance is not a guarantee of future results. Indices are not available for direct investment; therefore, their performance does not reflect the expenses associated with the management of an actual portfolio. Frank Russell Company is the source and owner of the trademarks, service marks, and copyrights related to the Russell Indexes. S&amp;P data © 2023 S&amp;P Dow Jones Indices LLC, a division of S&amp;P Global. All rights reserved.</image:caption>
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      <image:caption>Past performance is not a guarantee of future results. In USD. Sources: US Treasury data available from FRED, Federal Reserve Bank of St. Louis. Monthly levels are as of the beginning of the month. Fama/ French Factors shown are provided by Ken French. Factors are not available for direct investment; their performance does not reflect the expenses associated with the management of an actual portfolio. Eugene Fama and Ken French are members of the Board of Directors of the general partner of, and provide consulting services to, Dimensional Fund Advisors LP. Please see “Data Appendix—Fama/French Factors” for more information regarding the factors shown.</image:caption>
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      <image:caption>Past performance is not a guarantee of future results. Source: Monthly target federal funds rate data from Federal Reserve Bank of St. Louis. The monthly series reflects the federal funds target rate from January 1983 through December 2008 and the federal funds target range—upper limit (ul) from January 2009 through December 2021. Equity market returns computed using monthly return to the Fama/French Total US Market Research Index, available from Ken French Data Library. There are 70 one-month rate hikes, 28 two-month rate hikes, and 389 months without an increase. Average annualized returns following consecutive rate increases starting at month end; performance time horizons can overlap. The Fama/French Indices represent academic concepts that may be used in portfolio construction and are not available for direct investment or for use as a benchmark. Index returns are not representative of actual portfolios and do not reflect costs and fees associated with an actual investment. See “Index Descriptions” below for descriptions of the Dimensional and Fama/French index data.</image:caption>
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      <image:caption>[1] Start and end dates of US recessions, along with announcement dates, are from the National Bureau of Economic Research (NBER).</image:caption>
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      <image:caption>For illustrative purposes only</image:caption>
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      <image:caption>Past performance is not a guarantee of future results. Indices are not available for direct investment; therefore, their performance does not reflect the expenses associated with the management of an actual portfolio.</image:caption>
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      <image:caption>1. In US dollars. For illustrative purposes. Best performance dates represent end of period (Nov. 28, 2008, for best week; April 22, 2020, for best month; June 22, 2020, for best 3 months; and Sept. 4, 2009, for best 6 months). The missed best consecutive days examples assume that the hypothetical portfolio fully divested its holdings at the end of the day before the missed best consecutive days, held cash for the missed best consecutive days, and reinvested the entire portfolio in the Russell 3000 Index at the end of the missed best consecutive days. Frank Russell Company is the source and owner of the trademarks, service marks, and copyrights related to the Russell Indexes.</image:caption>
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