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      <image:caption>'Procrastination penalty' over time ($165,000 contribution over 30 years) - Source: Vanguard</image:caption>
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      <image:caption>Data based on two 31-year periods ending on December 31, 1998 and 2008, respectively. Each portfolio assumes a first-year 5% withdrawal that was subsequently adjusted for actual inflation. Each portfolio also assumes a 60% stock/40%bond allocation, rebalanced annually. Stocks are represented by the S&amp;P 500. The Standard &amp; Poor?s 500 Index (S&amp;P 500) is an unmanaged group of large company stocks. It is not possible to invest directly in an index. Bonds are represented by the annualized yields of long-term Treasuries (10+ years maturity). Inflation is represented by changes to the historical CPI. Past performance does not guarantee future results. This illustration does not account for any taxes or fees.</image:caption>
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      <image:caption>401(k) millionaires by the numbers.</image:caption>
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      <image:caption>Source: Weathering Volatility - Big Data on the Financial Ups and Downs of U.S. Individuals, JPMorgan Chase &amp; Co. Institute</image:caption>
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      <image:caption>Source: How America Pays for College</image:caption>
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      <image:caption>This hypothetical example shows how to figure out what part of an IRA conversion is taxable income.</image:caption>
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      <image:caption>PERCENTAGE OF FAMILIES MAKING AN EXTRAORDINARY MEDICAL PAYMENT DURING THE YEAR (DEFINED AS A PAYMENT OF MORE THAN $400 AND GREATER THAN 1% OF HOUSEHOLD INCOME) SOURCE: CENTER FOR RETIREMENT RESEARCH</image:caption>
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      <image:caption>Source: The Aegon Retirement Readiness Survey 2017</image:caption>
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      <image:caption>Source: The Aegon Retirement Readiness Survey 2017</image:caption>
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      <image:caption>Notes: Assumes assets are 60% in stocks and 40% in bonds and withdrawals increase each year with inflation. Source: David Blanchett, Morningstar</image:caption>
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      <image:caption>Source: ©2018 Genworth Financial, Inc.</image:caption>
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      <image:caption>Source: ©2018 Genworth Financial, Inc.</image:caption>
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      <image:title>Office furniture2</image:title>
      <image:caption>desk 2 72”(l) x 42”(w) x 29”(h)</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://static1.squarespace.com/static/52fbd83be4b095a0f516b6ea/t/5de6b6d6495bd32d5e42ed01/1575402010983/2.jpg</image:loc>
      <image:title>Office furniture2</image:title>
      <image:caption>desk 2a (front modesty panel)</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://static1.squarespace.com/static/52fbd83be4b095a0f516b6ea/t/5de6b9ab18b97b7638cc0aa8/1575402010988/IMG_20191203_103953809.jpg</image:loc>
      <image:title>Office furniture2</image:title>
      <image:caption>desk 2c (right chair side)</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://static1.squarespace.com/static/52fbd83be4b095a0f516b6ea/t/5de5991ecc029b3bcd6f5e31/1575402010976/1.jpg</image:loc>
      <image:title>Office furniture2</image:title>
      <image:caption>Hon Brigade 800 4 drawer lateral file (3 each) 42”(h) x 42(l) x 19”(w)</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://static1.squarespace.com/static/52fbd83be4b095a0f516b6ea/t/5de6b9e4b9e4255f5016d72f/1575402010978/13.jpg</image:loc>
      <image:title>Office furniture2</image:title>
      <image:caption>credenza 2 — 72”(l) x 24”(w) x 29”(h)</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://static1.squarespace.com/static/52fbd83be4b095a0f516b6ea/t/5de6b9808d3bc02940497f29/1575402010986/5.jpg</image:loc>
      <image:title>Office furniture2</image:title>
      <image:caption>desk 2b (left chair side)</image:caption>
    </image:image>
  </url>
  <url>
    <loc>http://www.financialperspectives.biz/office-furniture4</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2019-12-03</lastmod>
    <image:image>
      <image:loc>https://static1.squarespace.com/static/52fbd83be4b095a0f516b6ea/t/5de6cb6d091f5d4c21f255fa/1575406455681/00v0v_8iZe6e3MRdC_1200x900.jpg</image:loc>
      <image:title>Office furniture4</image:title>
      <image:caption>desk 4a (side view) 95"(l) x 35"(w) x 29"(h)</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://static1.squarespace.com/static/52fbd83be4b095a0f516b6ea/t/5de6bd58954b2a4c18f13620/1575402582510/1+%282%29.jpg</image:loc>
      <image:title>Office furniture4</image:title>
      <image:caption>desk 3b (left chair side)</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://static1.squarespace.com/static/52fbd83be4b095a0f516b6ea/t/5de6c9935c46d60270ca4ada/1575406057920/IMG_20191128_100607747.jpg</image:loc>
      <image:title>Office furniture4</image:title>
      <image:caption>Desk 4b (front file drawer view)</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://static1.squarespace.com/static/52fbd83be4b095a0f516b6ea/t/5de6bdfa4872256472079083/1575403074018/IMG_20191203_115040181.jpg</image:loc>
      <image:title>Office furniture4</image:title>
      <image:caption>office chair 2a (front)</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://static1.squarespace.com/static/52fbd83be4b095a0f516b6ea/t/5de6bfce5c46d60270c82e53/1575403566387/IMG_20191203_120132048.jpg</image:loc>
      <image:title>Office furniture4</image:title>
      <image:caption>reception chair Lazboy (6ea)</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://static1.squarespace.com/static/52fbd83be4b095a0f516b6ea/t/5de6c19a954b2a4c18f226a5/1575403964781/IMG_20191203_121109228.jpg</image:loc>
      <image:title>Office furniture4</image:title>
      <image:caption>desk 3c (right chair side)</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://static1.squarespace.com/static/52fbd83be4b095a0f516b6ea/t/5de6be531dbe2231b976d7ac/1575403206155/IMG_20191203_115053120.jpg</image:loc>
      <image:title>Office furniture4</image:title>
      <image:caption>office chair 2b (back)</image:caption>
    </image:image>
  </url>
</urlset>

