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    <loc>https://www.felicitymorganwriter.com/blog</loc>
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    <lastmod>2021-11-22</lastmod>
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  <url>
    <loc>https://www.felicitymorganwriter.com/blog/an-appointment-with-pension-wise-part-2</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2021-09-02</lastmod>
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      <image:title>Blog - An appointment with Pension Wise: Part 2 - Make it stand out</image:title>
      <image:caption>Photo by Radek Grzybowksi on Unsplash</image:caption>
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  <url>
    <loc>https://www.felicitymorganwriter.com/blog/an-appointment-with-pension-wise-part-1</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2021-07-22</lastmod>
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      <image:title>Blog - An appointment with Pension Wise:  Part 1</image:title>
      <image:caption>Photo by Josh Appel on Unsplash</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.felicitymorganwriter.com/blog/give-me-pension-freedom-</loc>
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    <priority>0.5</priority>
    <lastmod>2021-02-03</lastmod>
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      <image:title>Blog - Give me (pension) freedom …</image:title>
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  </url>
  <url>
    <loc>https://www.felicitymorganwriter.com/blog/freelancers-connect-thrive-and-beat-imposter-syndrome</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2021-02-01</lastmod>
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  <url>
    <loc>https://www.felicitymorganwriter.com/blog/its-pension-awareness-week</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2020-10-06</lastmod>
    <image:image>
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      <image:title>Blog - It’s Pensions Awareness Week!</image:title>
      <image:caption>Photo by Ian Dooley on Unsplash</image:caption>
    </image:image>
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  <url>
    <loc>https://www.felicitymorganwriter.com/blog/what-species-of-pension-is-this</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2021-11-22</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e79ebb6dc04675854f30324/1598005936288-QZ6FNOWN792266JOXCT3/ian-parker-2CA93gJIh98-unsplash.jpg</image:loc>
      <image:title>Blog - What species of pension is this?</image:title>
      <image:caption>Photo by Ian Parker on Unsplash</image:caption>
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  </url>
  <url>
    <loc>https://www.felicitymorganwriter.com/blog/pension-scams-and-how-to-avoid-them</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2020-06-18</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e79ebb6dc04675854f30324/1592491392185-URM0UQA7FZTDY2UT5EJJ/FCA_10.png</image:loc>
      <image:title>Blog - Pension scams and how to avoid them - Nope – there are no firms on the warning list matching the name I’ve got.</image:title>
      <image:caption>It suggests I search the FCA’s register to see if it’s on that. I click through to the register …</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e79ebb6dc04675854f30324/1592491579381-345FWUX0BF4WYGBPZ482/FCA_11.png</image:loc>
      <image:title>Blog - Pension scams and how to avoid them - … which gives me three results from the name I’m looking for. This is not unusual, as some firms have separate business names for different parts of their business.</image:title>
      <image:caption>I pick the name that matches the one on the correspondence.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e79ebb6dc04675854f30324/1592491706005-9EYGR13D2KUJW81QAN2N/FCA_2.png</image:loc>
      <image:title>Blog - Pension scams and how to avoid them - I get the firm’s full name and a list of drop-down boxes. . It says here that this firm is authorised.</image:title>
      <image:caption>I look under Contact details and check the address. It matches the address on the correspondence I’ve got.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e79ebb6dc04675854f30324/1592490135802-M69N3Z7H24OZYQ68GPYY/FCA7.png</image:loc>
      <image:title>Blog - Pension scams and how to avoid them - There are drop-down menus where you can choose what kind of information you’ve received.</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e79ebb6dc04675854f30324/1592491805196-LRDMHVHGYBGSXV1M0ZGG/FCA_3.png</image:loc>
      <image:title>Blog - Pension scams and how to avoid them - I look under Basic details.</image:title>
      <image:caption>It says this firm is regulated.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e79ebb6dc04675854f30324/1592491881494-XOY2QFZK0WCLC6MVNONI/FCA5.png</image:loc>
      <image:title>Blog - Pension scams and how to avoid them - Then I look under Permission to see if the firm has permission to give advice about pensions. It does – there’s a list of the types of pension it’s allowed to give advice about.</image:title>
      <image:caption>So this is an authorised and regulated firm that’s allowed to give advice about pensions. The offer probably isn’t a scam.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e79ebb6dc04675854f30324/1592489483807-KCBVV9NMUM902EP5JXZ1/Scams-Covid-2-LinkedInAndFacebook.jpg</image:loc>
      <image:title>Blog - Pension scams and how to avoid them</image:title>
      <image:caption>Image courtesy of the Pensions Regulator</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e79ebb6dc04675854f30324/1592491298315-PXQH9BYPIE7U58PBEDF7/FCA8.png</image:loc>
      <image:title>Blog - Pension scams and how to avoid them - So, as this was an offer of a free pension review, the FCA thinks it’s probably a scam. But the letter doesn’t include any of the warning signs - pressure to invest, downplayed risk or promised returns.</image:title>
      <image:caption>I can check if the name of the financial advice firm is on the FCA Warning List, a list of known scams you should avoid. So I do.</image:caption>
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  </url>
  <url>
    <loc>https://www.felicitymorganwriter.com/blog/the-great-pension-hunt</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2020-07-10</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e79ebb6dc04675854f30324/1591611744676-J4PQWV5Z6OTDIBXF1SBO/PenTrac_6.png</image:loc>
      <image:title>Blog - The great pension hunt - Is it a workplace or personal pension?</image:title>
      <image:caption>It’s a workplace pension.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e79ebb6dc04675854f30324/1591864677175-5UM50LFT7IN76F1M6JM9/PenTrac_7.png</image:loc>
      <image:title>Blog - The great pension hunt - C licking No brings up another screen asking if I know the name of the pension scheme. I’m not sure there even was one.</image:title>
      <image:caption>Clicking No again takes me to a screen suggesting I check the name of the company with Companies House, and gives me a link.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e79ebb6dc04675854f30324/1591610578099-8ASD6Z3LDZR20EOHI1M5/great+pension+hunt.jpg</image:loc>
      <image:title>Blog - The great pension hunt</image:title>
      <image:caption>Photo by Dariusz Sankowski at Unsplash</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e79ebb6dc04675854f30324/1591610765934-63Q60X6VOENS395EN811/PenTrac_2.png</image:loc>
      <image:title>Blog - The great pension hunt - Then I have to agree that I’m looking for contact details only for a pension for myself, or someone I have permission from. How do they check, I wonder?</image:title>
      <image:caption>Anyway, I agree.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e79ebb6dc04675854f30324/1591610932614-YPC1RNTX3465SK01U7UB/PenTrac_3.png</image:loc>
      <image:title>Blog - The great pension hunt - Am I looking for an NHS, civil service, teacher or armed services pension?</image:title>
      <image:caption>None of the above.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e79ebb6dc04675854f30324/1591610856877-US1LY5QH31IUQ1MFP0TM/PenTrac_1.png</image:loc>
      <image:title>Blog - The great pension hunt - I decided to start with the large travel company. Searching for Find pension contact details brings me to the home screen for the Pension Tracing Service.</image:title>
      <image:caption>There’s the usual big green button for starting now.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e79ebb6dc04675854f30324/1591611021301-BJGGQGV20TR9QPEY8E9L/PenTrac_5.png</image:loc>
      <image:title>Blog - The great pension hunt - Do I know the name of the employer who set up the pension? Yes, although I don’t think they’re called that any more.</image:title>
      <image:caption>(Nerdy writer alert: anyone else think the sentence ‘Do you know the name of the employer, who set up your workplace pension?’ doesn’t need a comma?)</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.felicitymorganwriter.com/blog/are-you-getting-all-your-state-pension</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2020-06-18</lastmod>
    <image:image>
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      <image:title>Blog - Are you getting all your State Pension?</image:title>
      <image:caption>Photo by Colin Watts at Unsplash</image:caption>
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  </url>
  <url>
    <loc>https://www.felicitymorganwriter.com/blog/lets-get-a-state-pension-forecast</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2020-09-23</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e79ebb6dc04675854f30324/1589791078070-Q14GPWJ80R8VMXCYJTTV/image-asset.jpeg</image:loc>
      <image:title>Blog - Let’s get a State Pension forecast!</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e79ebb6dc04675854f30324/1589877358527-XEDNLO1MNCZSAM91G5IO/State%252BPension%252B2.jpg</image:loc>
      <image:title>Blog - Let’s get a State Pension forecast! - After clicking on Create a Government Gateway account I went to Create sign in details artfully hidden below the big green Sign In button (follow the arrow in the picture) and put in my email address. Then I went to my email inbox to find an email with the code. Copy code from email, put it into box provided, click Confirm, get message saying Email address confirmed. Phew! So far so good ...</image:title>
      <image:caption>Continue. Full name, create a password. Passwords can't include special characters. Then I have to create a recovery word, which can't include numbers or special characters.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e79ebb6dc04675854f30324/1589879472075-EU1MQJ3R32QWSJT9KQ8V/State%2BPension%2B4.jpg</image:loc>
      <image:title>Blog - Let’s get a State Pension forecast! - State Pension age - the age you can get your State Pension from - keeps changing. While I’m here, I’m going to check what mine is. Fortunately this is much quicker!</image:title>
      <image:caption>Search: Check State Pension age. Big green Start Now button. You can choose State Pension age or bus-pass age. I'll go with State Pension age for now. Put in date of birth and whether I'm a man or a woman. And there it is – my State Pension age and the date I'll reach it.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e79ebb6dc04675854f30324/1589879103310-ITQVCMOFM4X6IW6MJB9F/State%2BPension%2B3.jpg</image:loc>
      <image:title>Blog - Let’s get a State Pension forecast! - Now I see Check your State Pension. After selecting Continue I sign into my Government Gateway account using my long user ID and password, get sent a text with a 6-digit code and put this in. There's an option to Remember me for 7 days which I don't take.</image:title>
      <image:caption>Then I answer some security questions to confirm info HMRC already have about me. Name, National Insurance number, date of birth.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e79ebb6dc04675854f30324/1589877810015-UOC6FUN78BBZSJ1DJ0LD/State%2BPension%2B1.jpg</image:loc>
      <image:title>Blog - Let’s get a State Pension forecast! - Clicking the BIG GREEN BUTTON saying Start now goes to a Prove your identity page. There are four options.</image:title>
      <image:caption>Sign in with a Government Gateway account. Sign in with Gov.uk Verify. Sign in with an ID scheme from another European country. Create an account with either Government Gateway or Gov.uk Verify.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.felicitymorganwriter.com/blog/lets-rebrand-pensions</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2020-06-11</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e79ebb6dc04675854f30324/1588078097544-BWH2NN99SA4MITRZ26OR/image-asset.jpeg</image:loc>
      <image:title>Blog - Let’s rebrand pensions! - Mobile phone contracts aren’t interesting either. So Giffgaff call their phone contracts 'goodybags', with all the exciting and slightly naughty connotations of sweets and other lovely things. (I am not affiliated with Giffgaff. I just think whoever thought of calling phone contracts ‘goodybags’ is a genius.)</image:title>
      <image:caption>The name ‘pension’ definitely doesn’t suggest goodies. What if we called pensions something a bit more delicious? Scrumptious savings? Future happiness fund?</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e79ebb6dc04675854f30324/1588077161069-WZL79CFGYKOAGA2U48FL/image-asset.jpeg</image:loc>
      <image:title>Blog - Let’s rebrand pensions! - A big part of the problem with pensions is that money you put into your pension is money you can't spend now. But here's another thing people share on social media: their 'bucket list' of things to and places to visit before they die.</image:title>
      <image:caption>How about positioning pensions as a way to fund your bucket list in future? Building a better bucket? Or even a whole sandcastle? Here’s another hashtag: #bucketlistbank</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.felicitymorganwriter.com/blog/better-homeworking-experience</loc>
    <changefreq>monthly</changefreq>
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    <lastmod>2020-06-08</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e79ebb6dc04675854f30324/1587985311782-QI28U30PWRNHO4ERT0GZ/20200414_104928.jpg</image:loc>
      <image:title>Blog - A better homeworking experience - This is also really important, especially if you work in front of a screen like most of us. I use something called the Pomodoro Technique, where you set a timer and work for 25 minutes, then take a 5-minute break completely away from your screen.</image:title>
      <image:caption>As well as making sure I take breaks, I've found this works like magic for getting more work done and avoiding distractions. It was developed by an Italian, Francesco Cirillo, and I love that it's called 'Pomodoro' (‘tomato’ in Italian) after the tomato-shaped kitchen timer he used when he was a student. I don't have one of those; I just use my phone. There are other variations like 45 or 50 minutes with a 10-minute break. You may need to play around a bit to find what works for you.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e79ebb6dc04675854f30324/1587984604737-709YI72X7WQ8ID2J0DQR/20200414_104127.jpg</image:loc>
      <image:title>Blog - A better homeworking experience - I’ve been hearing from various friends that they have to work on the kitchen or dining-room table, or some other space normally used for communal family/house activities.</image:title>
      <image:caption>If you have to use a shared space mark it as your work space while you're working. This can be as simple as putting some books round it and laying out your work equipment. Make sure the rest of your household know that, during your working hours, this is your space. It might even stop them stealing your pens.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e79ebb6dc04675854f30324/1587985489583-TXA6KU4U40H0HZLZALVW/20200414_105019.jpg</image:loc>
      <image:title>Blog - A better homeworking experience - When I first started working from home I was really keen to avoid the temptation to snack all the time and sit around all day. It's an ideal time to establish some healthy habits.</image:title>
      <image:caption>Set times for breakfast and lunch so you're not tempted to snack all the time. Get up and stretch very time you take a break, especially if you're making do with a random kitchen or dining chair rather than an adjustable office one. Do some exercise! There are now millions of home-based workouts available online. You don't need a lot of room, or a lot of time – if you do five minutes every hour for 6 hours that's half an hour in your day. Check out darebee.com for an apparently endless supply of free workouts.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e79ebb6dc04675854f30324/1587984944122-34KP5YEEPHCZNX8M1A4I/20200414_105538.jpg</image:loc>
      <image:title>Blog - A better homeworking experience - This is probably the most important thing about working from home. You have to organise yourself more than you would in the office because you don't have the office routine. You need to make your own work routine. Decide on what your day will look like and write it all down. Lists are your friend. Prioritise your tasks or services in whatever way works for you – I number mine in order of priority.</image:title>
      <image:caption>Are there times you need to be available to other people for calls or video meetings? Plan to be ready at those times. Include any reading or research you have to do in your plan. Set alerts if you need them. (I'm terrible at this - more than once I've dialled in late to a call or forgotten it until someone messaged me!)</image:caption>
    </image:image>
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    <loc>https://www.felicitymorganwriter.com/blog/category/Pension+How-to</loc>
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      <image:title>Home - Hello. I’m Felicity Morgan.</image:title>
      <image:caption>Hello. I’m Felicity Morgan, the plain English pension copywriter.</image:caption>
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  </url>
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  </url>
  <url>
    <loc>https://www.felicitymorganwriter.com/portfolio/dc-scheme-communications</loc>
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    <priority>0.5</priority>
    <lastmod>2021-02-25</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e79ebb6dc04675854f30324/1614081100220-GET5X30VT88VP17XEFHY/ATTPenNetwork2019-11.png</image:loc>
      <image:title>Portfolio - DC scheme communications</image:title>
      <image:caption>… and from the wider world of pensions</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e79ebb6dc04675854f30324/1614081055279-VJ3E4EE88FJDRX0X0PIL/ATTPenNetwork2019-02.png</image:loc>
      <image:title>Portfolio - DC scheme communications</image:title>
      <image:caption>News from the trustees about the Plan …</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e79ebb6dc04675854f30324/1614081284427-7GIHDJFLW4IBD67V88AM/ATT2001Planbklt-08.png</image:loc>
      <image:title>Portfolio - DC scheme communications</image:title>
      <image:caption>Options set out clearly</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e79ebb6dc04675854f30324/1614080910395-VGOD9ACB82TWW1G75KDC/ATT2001Planbklt-04.png</image:loc>
      <image:title>Portfolio - DC scheme communications</image:title>
      <image:caption>A simple outline of how the Plan works</image:caption>
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    <image:image>
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      <image:title>Portfolio - DC scheme communications</image:title>
      <image:caption>‘People like me’ case studies help bring the subject to life</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e79ebb6dc04675854f30324/1614081395579-WDAGLRUY1Y6CR3L0M0YS/ATTInvGuide-12.png</image:loc>
      <image:title>Portfolio - DC scheme communications</image:title>
      <image:caption>Colour coding helps explain investment risk</image:caption>
    </image:image>
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    <lastmod>2021-02-25</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5e79ebb6dc04675854f30324/1614079223156-2GBXZ3O4O5LJHAKCS3NB/ATT2001Planbklt-01.png</image:loc>
      <image:title>Portfolio - Pension booklets</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e79ebb6dc04675854f30324/1614079323227-KDJ01DUEWQ2ETYESR3W9/ATT2001Planbklt-06.png</image:loc>
      <image:title>Portfolio - Pension booklets</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e79ebb6dc04675854f30324/1614079260944-NKS085VVCGS2PNMUD10A/ATT2001Planbklt-04.png</image:loc>
      <image:title>Portfolio - Pension booklets</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e79ebb6dc04675854f30324/1614079571364-TKFIRLW5E3INXLTBXS0N/ATTInvGuide-04.png</image:loc>
      <image:title>Portfolio - Pension booklets</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e79ebb6dc04675854f30324/1614079446583-RVH4R1D6HGPPIHI4WFKZ/ATTInvGuide-01.png</image:loc>
      <image:title>Portfolio - Pension booklets</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e79ebb6dc04675854f30324/1614079622613-VD4Y1JIRAPWJXNQTIGJZ/ATTInvGuide-06.png</image:loc>
      <image:title>Portfolio - Pension booklets</image:title>
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    <image:image>
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      <image:title>Portfolio - Pension booklets</image:title>
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    <image:image>
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      <image:title>Portfolio - Pension booklets</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e79ebb6dc04675854f30324/1614080284207-C4CR6OG5ZTD9XCX8N503/OSPS_bklt-13.png</image:loc>
      <image:title>Portfolio - Pension booklets</image:title>
    </image:image>
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    <loc>https://www.felicitymorganwriter.com/portfolio/retirement-guides</loc>
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    <lastmod>2021-02-25</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e79ebb6dc04675854f30324/1614077871051-II1ZVVMIB1YNDPJWIO1I/Retguide.jpg</image:loc>
      <image:title>Portfolio - Retirement guides</image:title>
      <image:caption>Downloadable 16-page interactive pdf that guides the reader step by step through the decisions they’ll need to make.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e79ebb6dc04675854f30324/1614078146165-WG32B4LC83J30810RSZB/OSPS_Retflex-2.png</image:loc>
      <image:title>Portfolio - Retirement guides</image:title>
      <image:caption>… and making it clear which options are DC only</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e79ebb6dc04675854f30324/1614078038478-0LJ6J7ZVWO1FY3RVRNAV/OSPS_Retflex-1.png</image:loc>
      <image:title>Portfolio - Retirement guides</image:title>
      <image:caption>Downloadable 16-page interactive pdf that guides the reader step by step through the decisions they’ll need to make.</image:caption>
    </image:image>
  </url>
  <url>
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    <lastmod>2021-02-25</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e79ebb6dc04675854f30324/1614076837915-V87FMZD7THYWP1LTGZNV/ATTPenNetwork2019-03.png</image:loc>
      <image:title>Portfolio - Pension newsletters</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e79ebb6dc04675854f30324/1614076770255-GFWOTWKPVCZE0PU2WZRB/ATTPenNetwork2019-01.png</image:loc>
      <image:title>Portfolio - Pension newsletters</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e79ebb6dc04675854f30324/1614076894269-0986Y90SYZEPFTROKBTD/ATTPenNetwork2019-12.png</image:loc>
      <image:title>Portfolio - Pension newsletters</image:title>
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    <image:image>
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      <image:title>Portfolio - Pension newsletters</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e79ebb6dc04675854f30324/1614075848536-649LIDGV9LRRDGMNIW8G/OSPS_Imprint_2019-06.png</image:loc>
      <image:title>Portfolio - Pension newsletters</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e79ebb6dc04675854f30324/1614075881323-4RZYDXFA20541E9NTL28/OSPS_Imprint_2019-14.png</image:loc>
      <image:title>Portfolio - Pension newsletters</image:title>
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  </url>
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    <loc>https://www.felicitymorganwriter.com/portfolio/email-communications</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2021-02-25</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e79ebb6dc04675854f30324/1614075007018-NLWLHXQPKE1AAVN6AY7M/Sanity+emails.png</image:loc>
      <image:title>Portfolio - Email communications - ‘Sanity check’ emails for 2020</image:title>
      <image:caption>As Covid-19 became a pandemic and lockdown took hold, this campaign urged readers to stay cool, calm and collected and take sensible steps to protect their retirement savings. 27% of the people receiving these emails opened them.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e79ebb6dc04675854f30324/1614074915836-N7U8XJV3QSUR71B99VQE/birthday+email.jpg</image:loc>
      <image:title>Portfolio - Email communications - Birthday email</image:title>
      <image:caption>Prompting readers to think about their retirement savings as they come one year closer to retirement.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e79ebb6dc04675854f30324/1614075190106-HZQSPWUG23OH1XYI97Q9/lovedones.png</image:loc>
      <image:title>Portfolio - Email communications</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.felicitymorganwriter.com/portfolio/online-comms</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-01-10</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e79ebb6dc04675854f30324/b11ac089-9868-453d-8817-f51aa81c5740/NPTD2.png</image:loc>
      <image:title>Portfolio - Online communications - Reasons to try</image:title>
      <image:caption>The figures speak for themselves. There’s lots of lost money out there waiting to be found.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e79ebb6dc04675854f30324/a74afb6d-cb70-4353-b331-bde109ac4e49/NPTD1.png</image:loc>
      <image:title>Portfolio - Online communications</image:title>
      <image:caption>#NationalPensionTracingDay is the last Sunday in October. It’s the day after the clocks go back, so there’s an extra hour people can use to look for lost pensions. But the website’s there to help all year round.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e79ebb6dc04675854f30324/37fcd28e-0b98-4fe7-ba74-0ffc1c0d9866/NPTD4.png</image:loc>
      <image:title>Portfolio - Online communications - A step-by-step guide</image:title>
      <image:caption>The downloadable ‘treasure map’ makes it easy to understand what you need to get started.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e79ebb6dc04675854f30324/1614070194906-68Y04K8WF820N2THAWC7/15yr+checklist.png</image:loc>
      <image:title>Portfolio - Online communications - Countdown checklists</image:title>
      <image:caption>Downloadable checklists helping readers understand where they are, where they want to be and what they need to do to get there.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e79ebb6dc04675854f30324/1614069908713-PYZOCQZ2HGYRZGKILK9V/web+head.png</image:loc>
      <image:title>Portfolio - Online communications</image:title>
      <image:caption>A resource to help people aged 50 and over plan and achieve the kind of retirement they want. Aimed mainly at people with DC benefits, but taking into account that some people could also have DB benefits.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e79ebb6dc04675854f30324/1614070043734-XQ8L404UAVVANBYQ4DSS/dreamret.png</image:loc>
      <image:title>Portfolio - Online communications - Visualisation exercise</image:title>
      <image:caption>The first step: prompting readers to imagine the kind of retirement they want, so they can start to work towards it.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e79ebb6dc04675854f30324/1614071780370-GTN44PNC6RBRMVCU3ODX/Making+a+will.png</image:loc>
      <image:title>Portfolio - Online communications</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e79ebb6dc04675854f30324/1614071751845-CNOXOO7DCLGA0QE43RFN/art_risk.png</image:loc>
      <image:title>Portfolio - Online communications</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e79ebb6dc04675854f30324/1614071721215-FPVN2ZIREEVPXQ3VMVSJ/art_retpit.png</image:loc>
      <image:title>Portfolio - Online communications</image:title>
    </image:image>
  </url>
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