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  <url>
    <loc>https://www.waddingtonfp.co.uk/client-stories</loc>
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    <lastmod>2020-11-20</lastmod>
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  <url>
    <loc>https://www.waddingtonfp.co.uk/client-stories/inheritance-tax-planning-marys-story</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2020-11-20</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fa17fed488cee122937762b/1605257541854-LTY1A8JAFUSG2E5O0XRJ/Marys_Story.jpg</image:loc>
      <image:title>Client Stories - Inheritance Tax Planning: Mary’s story - I began working with Ashley because he was helping my mother with her investments. I wanted to work with someone who could look at what was already invested and what would work going forward. But I also wanted continuity.</image:title>
      <image:caption>Ashley understands our family dynamics and knows where I’m coming from. I deal with a lot of things on behalf of my mum and he knows when to involve my mum and when to liaise with me.</image:caption>
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  </url>
  <url>
    <loc>https://www.waddingtonfp.co.uk/client-stories/investment-strategy-mike-and-claires-story</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2020-11-20</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fa17fed488cee122937762b/1605257718107-1H8LODXVSTEEUJ8YS0MO/Mike_And_Claire.jpg</image:loc>
      <image:title>Client Stories - Investment strategy: Mike and Claire’s story - I met Ashley through the company he was originally with, because I was looking for someone to take over my investments for me.</image:title>
      <image:caption>I used to manage my own portfolio because it was easier to do then than now. It started off as a hobby and I was fortunate enough to build it up well, but eventually it got to the stage where it became unmanageable and I needed professional help.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.waddingtonfp.co.uk/client-stories/johns-story</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2020-11-20</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fa17fed488cee122937762b/1605257282711-Y179XP6823UAI9Q751SG/Johns_Story.jpg</image:loc>
      <image:title>Client Stories - Pension planning: John’s story - I met Ashley through a colleague. I’d just gone through divorce and my wife was the one who always dealt with the money side of things and suddenly she wasn’t there to guide me.</image:title>
      <image:caption>I’d worked in the finance industry myself, so I had some knowledge, and initially I wanted a second opinion to find whether what I’d got set up was correct. Sometimes it’s good to have an independent view because if you’re not careful you can go down certain routes yourself where you can get in trouble!</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.waddingtonfp.co.uk/home</loc>
    <changefreq>daily</changefreq>
    <priority>1.0</priority>
    <lastmod>2023-09-18</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fa17fed488cee122937762b/1605865213230-52UAJS06CUR1QOGPR0WI/About_Image.jpg</image:loc>
      <image:title>Home - It’s all about you</image:title>
      <image:caption>Imagine having the freedom to spend more time doing the things you love. Life would be more rewarding, more exciting but most importantly, more fulfilling. Yet, like most people, it’s our finances that stop us from reaching new heights. My name is Ashley Waddington and I’m here to change that. Whether you’re feeling a bit lost with your finances, or you have a set goal in mind, I’ll help you make intelligent financial decisions towards achieving your aspirations.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fa17fed488cee122937762b/1605525203339-SXHDTAQW5DX1WD3JAJ5B/AdobeStock_220401296.jpg</image:loc>
      <image:title>Home - Money is a great asset to have but, only if you know how to use it</image:title>
      <image:caption>This is how my approach differs. Conventional financial advice focuses on the numbers, while I’ll focus on you. Where have you been, what have you done, and where would you love to get to in life? Whether it’s planning your retirement, starting a savings strategy or creating a legacy for the next generation, I’ll start by finding out what matters to you and create a financial plan around that..</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.waddingtonfp.co.uk/how-it-works</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-03-21</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fa17fed488cee122937762b/1605200469244-4O3TJGW749LC6BGNJDIQ/Happy_Couple.jpg</image:loc>
      <image:title>How it works - A process that focuses on lifestyle</image:title>
      <image:caption>I’ve spent over 15 years refining my financial planning process to provide the most value for clients. It’s a process that focuses on your future, your aspirations and your lifestyle. Everything is about you. Financial planning isn’t just about making money; I strongly believe that. It must also focus on aligning your financial goals with your personal aspirations to create a lifestyle that you want to live. My style is less corporate, more friendly but always transparent. I focus on creating long-lasting relationships that are built on trust and close communication. It’s important to me that you are able to use your money to enjoy life. And that’s my objective: to create a financial strategy that may support a lifestyle that you want to live, applying the level of investment risk you’re comfortable with.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fa17fed488cee122937762b/1605195700167-PJK0OGJHRBO10S4GUX18/HIW.jpg</image:loc>
      <image:title>How it works - What’s important to you?</image:title>
      <image:caption>The initial consultation is all about discovering what’s most important to you. You don’t need to prepare anything for this meeting, nor will you be charged. Please Note any subsequent meetings will be chargeable. During our discussion, I’ll learn more about your: Needs • Finances • Interests • Aspirations</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fa17fed488cee122937762b/1605626142650-1BSH8O0WX90CKK9CG5UH/Bucket.jpg</image:loc>
      <image:title>How it works - Visualise your finances</image:title>
      <image:caption>I love to be able to explain complex concepts in a simple way so that people can visualise how financial planning can help them. So at a first meeting, I introduce the ‘bucket concept’. This is designed to help you picture whether you’ll have enough money to live the life that you want without ever running out. By using the bucket concept you’ll be given a clear illustration of your current financial situation and how it will look in the future. There is no charge for this and if you feel that we’re the right fit to work together, I’ll proceed to create your bespoke financial plan. I will cover off associated costs prior to creating your financial plan and subsequent meetings will be chargeable.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.waddingtonfp.co.uk/contact</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2023-09-18</lastmod>
  </url>
  <url>
    <loc>https://www.waddingtonfp.co.uk/about</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-03-20</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fa17fed488cee122937762b/1605865242719-760UC6MSCOS63Z4SEJ8G/About.jpg</image:loc>
      <image:title>About - From boiler suits to financial advice</image:title>
      <image:caption>I’ve been a financial planner for some time now, having worked for two large Asset Management firms before setting up Waddington Financial in 2019. Before that I was an engineer for Michelin Tyres wearing oily boiler suits! I wanted to move away from a sales-orientated environment and run a lifestyle business, which is why I decided to start my own company. For me, my role isn’t about making as much money as possible. I value my time and I’m at a stage now where I realise my time is precious. A lot of my clients can relate to this and I like to be able to practice what I preach – money is a great asset to have but only if you know how to use it.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fa17fed488cee122937762b/1605201745406-G2XCX4MAMPP2QCCI9GKR/About_Square_2.jpg</image:loc>
      <image:title>About - My approach</image:title>
      <image:caption>I work with people who want to know if they have enough money to live the life they want to live. It goes without saying it’s nice to be challenged, but I don’t force anyone to make decisions or push them into a particular direction. I’m a straight talker, I tell people as it is, and help people to make informed decisions. My style is professional but informal, I prefer to be comfortable and to encourage my clients to feel at home with me too. This seems to be working as I enjoy good, long-term relationships with my clients, many of whom came with me when I left my previous role to start my own company.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fa17fed488cee122937762b/1605202192970-BSC25SY19KNDCH43A2OY/Fields.jpg</image:loc>
      <image:title>About - My Promise to you</image:title>
      <image:caption>A bespoke financial plan that’s tailored to your needs and personal circumstances. Total transparency with your finances Access to financial advice Clear illustrations of your financial situation Close communication and collaboration</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.waddingtonfp.co.uk/privacy-policy</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2026-03-25</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fa17fed488cee122937762b/44d417bc-d9d6-478d-b6cd-a727d9401021/Screenshot+2026-03-23+at+14.57.16.png</image:loc>
      <image:title>Privacy Policy - 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>
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