<?xml version="1.0" encoding="UTF-8"?><?xml-stylesheet type="text/xsl" href="//havesubstance.com/wp-content/plugins/wordpress-seo/css/main-sitemap.xsl"?>
<urlset xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:image="http://www.google.com/schemas/sitemap-image/1.1" xsi:schemaLocation="http://www.sitemaps.org/schemas/sitemap/0.9 http://www.sitemaps.org/schemas/sitemap/0.9/sitemap.xsd http://www.google.com/schemas/sitemap-image/1.1 http://www.google.com/schemas/sitemap-image/1.1/sitemap-image.xsd" xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">
	<url>
		<loc>https://havesubstance.com/our-thinking/</loc>
		<lastmod>2026-08-17T05:34:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://havesubstance.com/our-thinking/great-advisor-content-marketing/</loc>
		<lastmod>2026-06-24T09:45:50+00:00</lastmod>
		<image:image>
			<image:loc>https://havesubstance.com/wp-content/uploads/skye-studios-NDLLFxTELrU-unsplash-scaled.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://havesubstance.com/our-thinking/8-ways-to-overcome-the-annuity-marketing-challenge-2/</loc>
		<lastmod>2026-07-24T18:39:11+00:00</lastmod>
		<image:image>
			<image:loc>https://havesubstance.com/wp-content/uploads/Annuity-content-Creation-AI-image.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://havesubstance.com/our-thinking/insurance-branding-strategy/</loc>
		<lastmod>2026-07-24T19:36:00+00:00</lastmod>
		<image:image>
			<image:loc>https://havesubstance.com/wp-content/uploads/financial-marketers-guide-AI-image.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://havesubstance.com/our-thinking/private-equity-brand-strategy/</loc>
		<lastmod>2026-07-24T20:07:23+00:00</lastmod>
		<image:image>
			<image:loc>https://havesubstance.com/wp-content/uploads/ChatGPT-Images-2.0_0002.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://havesubstance.com/our-thinking/financial-services-white-paper/</loc>
		<lastmod>2026-07-24T20:08:11+00:00</lastmod>
		<image:image>
			<image:loc>https://havesubstance.com/wp-content/uploads/BlogPostImages_ChatGPT-Images-2.0_2026-06-11_15-02-03.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://havesubstance.com/our-thinking/wealth-management-website-design/</loc>
		<lastmod>2026-07-24T20:08:52+00:00</lastmod>
		<image:image>
			<image:loc>https://havesubstance.com/wp-content/uploads/BlogPostImages_ChatGPT-Images-2.0_2026-06-05_14-35-20.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://havesubstance.com/our-thinking/do-you-know-your-leaders-brand/</loc>
		<lastmod>2026-07-27T18:40:48+00:00</lastmod>
		<image:image>
			<image:loc>https://havesubstance.com/wp-content/uploads/do-you-know-your-leader-image.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://havesubstance.com/our-thinking/stop-talking-brand-start-talking-business/</loc>
		<lastmod>2026-07-27T18:41:57+00:00</lastmod>
		<image:image>
			<image:loc>https://havesubstance.com/wp-content/uploads/ariann-laurin-R0nrWjtToE4-unsplash-scaled.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://havesubstance.com/our-thinking/branding-lessons-from-returnaround-ceos/</loc>
		<lastmod>2026-07-27T18:42:15+00:00</lastmod>
		<image:image>
			<image:loc>https://havesubstance.com/wp-content/uploads/stevejobs.jpeg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://havesubstance.com/our-thinking/employer-branding/</loc>
		<lastmod>2026-07-27T18:42:28+00:00</lastmod>
		<image:image>
			<image:loc>https://havesubstance.com/wp-content/uploads/clark-tibbs-oqStl2L5oxI-unsplash-scaled.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://havesubstance.com/our-thinking/coronavirus-joebiden-donaldtrump/</loc>
		<lastmod>2026-07-27T18:43:47+00:00</lastmod>
		<image:image>
			<image:loc>https://havesubstance.com/wp-content/uploads/gayatri-malhotra-qBBS6GvyCA8-unsplash-scaled.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://havesubstance.com/our-thinking/financial-marketing-coronavirus/</loc>
		<lastmod>2026-07-27T18:44:08+00:00</lastmod>
		<image:image>
			<image:loc>https://havesubstance.com/wp-content/uploads/markus-winkler-TRcaFMV5vk-unsplash-scaled.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://havesubstance.com/our-thinking/how-coronavirus-will-change-branding/</loc>
		<lastmod>2026-07-27T18:44:14+00:00</lastmod>
		<image:image>
			<image:loc>https://havesubstance.com/wp-content/uploads/edwin-hooper-Q8m8cLkryeo-unsplash-scaled.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://havesubstance.com/our-thinking/what-is-branded-demand/</loc>
		<lastmod>2026-07-27T18:44:23+00:00</lastmod>
		<image:image>
			<image:loc>https://havesubstance.com/wp-content/uploads/yifei-chen-FPMRxKd7MxI-unsplash-scaled.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://havesubstance.com/our-thinking/change-management-change-makers/</loc>
		<lastmod>2026-07-27T18:50:40+00:00</lastmod>
		<image:image>
			<image:loc>https://havesubstance.com/wp-content/uploads/jason-wong-ogz10BWwt4k-unsplash-scaled.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://havesubstance.com/our-thinking/what-you-can-learn-liquid-death/</loc>
		<lastmod>2026-07-27T18:50:58+00:00</lastmod>
		<image:image>
			<image:loc>https://havesubstance.com/wp-content/uploads/Liquid-Death-FB-share-photo_2d0577bc-73cc-4afe-a4fb-ca5bc9a5736e_1200x1200.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://havesubstance.com/wp-content/uploads/Focal-Points-Resized-960x720.webp</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://havesubstance.com/wp-content/uploads/Screen-Shot-2020-06-05-at-10.43.03-AM-720x729.webp</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://havesubstance.com/our-thinking/what-the-oatly-blackstone-debacle-teaches-us-about-branding/</loc>
		<lastmod>2026-07-27T18:51:04+00:00</lastmod>
		<image:image>
			<image:loc>https://havesubstance.com/wp-content/uploads/EgllGcrWkAA_qUK.jpeg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://havesubstance.com/our-thinking/1-terrible-year-in-business/</loc>
		<lastmod>2026-07-27T18:51:59+00:00</lastmod>
		<image:image>
			<image:loc>https://havesubstance.com/wp-content/uploads/One-Year-In-scaled.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://havesubstance.com/our-thinking/moving-bank-brands-from-commodity-to-specialty/</loc>
		<lastmod>2026-07-27T18:53:23+00:00</lastmod>
		<image:image>
			<image:loc>https://havesubstance.com/wp-content/uploads/jonathan-chng-OTDyDgPoJ_0-unsplash-scaled.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://havesubstance.com/our-thinking/how-to-create-your-personal-brand/</loc>
		<lastmod>2026-07-27T18:53:45+00:00</lastmod>
		<image:image>
			<image:loc>https://havesubstance.com/wp-content/uploads/making-branding-personal-scaled.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://havesubstance.com/our-thinking/half-billion-dollar-political-advertising-dumpter-fire/</loc>
		<lastmod>2026-07-27T18:54:21+00:00</lastmod>
		<image:image>
			<image:loc>https://havesubstance.com/wp-content/uploads/rosie-kerr-ZJ5EfdI-f6Y-unsplash-scaled-960x768-1.webp</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://havesubstance.com/wp-content/uploads/rosie-kerr-ZJ5EfdI-f6Y-unsplash-scaled-960x768-1.webp</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://havesubstance.com/wp-content/uploads/rosie-kerr-ZJ5EfdI-f6Y-unsplash-scaled-960x768-1.webp</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://havesubstance.com/our-thinking/substance-promotes-andrea-maccullough/</loc>
		<lastmod>2026-07-27T18:54:37+00:00</lastmod>
		<image:image>
			<image:loc>https://havesubstance.com/wp-content/uploads/AndreaMacCullough.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://havesubstance.com/our-thinking/what-the-gamestop-implosion-means-for-marketers/</loc>
		<lastmod>2026-07-27T18:54:45+00:00</lastmod>
		<image:image>
			<image:loc>https://havesubstance.com/wp-content/uploads/michael-fortsch-SIz6izQKxzs-unsplash-scaled.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://havesubstance.com/our-thinking/how-sales-and-marketing-can-get-along/</loc>
		<lastmod>2026-07-27T18:55:27+00:00</lastmod>
		<image:image>
			<image:loc>https://havesubstance.com/wp-content/uploads/Sales-Marketing-Alignment.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://havesubstance.com/our-thinking/advisor-roundtables-program/</loc>
		<lastmod>2026-07-27T18:59:25+00:00</lastmod>
		<image:image>
			<image:loc>https://havesubstance.com/wp-content/uploads/Substance_AdvisorInsightsOfSubstance_Graphic_1080x1080-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://havesubstance.com/our-thinking/what-makes-investment-brands-different/</loc>
		<lastmod>2026-07-27T18:59:41+00:00</lastmod>
		<image:image>
			<image:loc>https://havesubstance.com/wp-content/uploads/felicia-buitenwerf-5yn5rGI5IUw-unsplash-scaled.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://havesubstance.com/our-thinking/the-mission-must-be-the-mantra/</loc>
		<lastmod>2026-07-27T19:11:37+00:00</lastmod>
		<image:image>
			<image:loc>https://havesubstance.com/wp-content/uploads/bernard-hermant-z9AOxTYQBy4-unsplash-scaled.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://havesubstance.com/our-thinking/4-branding-predictions-for-2022/</loc>
		<lastmod>2026-07-27T19:12:08+00:00</lastmod>
		<image:image>
			<image:loc>https://havesubstance.com/wp-content/uploads/davide-ragusa-slgtMF8EjYE-unsplash-scaled.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://havesubstance.com/our-thinking/when-should-you-change-your-companys-name/</loc>
		<lastmod>2026-07-27T19:12:15+00:00</lastmod>
		<image:image>
			<image:loc>https://havesubstance.com/wp-content/uploads/ricardas-brogys-0vK9D0PviA8-unsplash-scaled.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://havesubstance.com/our-thinking/3-advisor-programs-that-drive-engagement/</loc>
		<lastmod>2026-07-27T19:12:24+00:00</lastmod>
		<image:image>
			<image:loc>https://havesubstance.com/wp-content/uploads/aaron-burden-GFpxQ2ZyNc0-unsplash-1-scaled.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://havesubstance.com/our-thinking/adding-a-more-human-dimension-to-your-financial-brand/</loc>
		<lastmod>2026-07-27T19:12:37+00:00</lastmod>
		<image:image>
			<image:loc>https://havesubstance.com/wp-content/uploads/piggybank-cv_gqWoAOYU-unsplash-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://havesubstance.com/our-thinking/an-unfunny-approach-to-insurance-marketing/</loc>
		<lastmod>2026-07-27T19:12:43+00:00</lastmod>
		<image:image>
			<image:loc>https://havesubstance.com/wp-content/uploads/ayo-ogunseinde-sibVwORYqs0-unsplash.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://havesubstance.com/our-thinking/inertia-breaking-for-dummies-and-smart-people/</loc>
		<lastmod>2026-07-27T19:13:50+00:00</lastmod>
		<image:image>
			<image:loc>https://havesubstance.com/wp-content/uploads/shutterstock_720969469-scaled.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://havesubstance.com/our-thinking/growth-done-right/</loc>
		<lastmod>2026-07-27T19:14:29+00:00</lastmod>
		<image:image>
			<image:loc>https://havesubstance.com/wp-content/uploads/arnaud-mesureur-7EqQ1s3wIAI-unsplash-2.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://havesubstance.com/our-thinking/give-your-brand-some-lemonade/</loc>
		<lastmod>2026-07-27T19:14:50+00:00</lastmod>
		<image:image>
			<image:loc>https://havesubstance.com/wp-content/uploads/angelica-echeverry-t261fCT-lEc-unsplash.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://havesubstance.com/wp-content/uploads/Screen-Shot-2022-08-04-at-4.37.06-PM.webp</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://havesubstance.com/our-thinking/value-your-values/</loc>
		<lastmod>2026-07-27T19:14:55+00:00</lastmod>
		<image:image>
			<image:loc>https://havesubstance.com/wp-content/uploads/miltiadis-fragkidis-2zGTh-S5moM-unsplash-scaled.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://havesubstance.com/our-thinking/diversity-equity-inclusion-and-where-it-goes-next/</loc>
		<lastmod>2026-07-27T19:15:22+00:00</lastmod>
		<image:image>
			<image:loc>https://havesubstance.com/wp-content/uploads/Substance-TalksofSubstance_Newsletter_DEI.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://havesubstance.com/our-thinking/yes-people-scroll/</loc>
		<lastmod>2026-07-27T19:15:39+00:00</lastmod>
		<image:image>
			<image:loc>https://havesubstance.com/wp-content/uploads/ricardo-gomez-angel-GsZLXA4JPcM-unsplash-2.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://havesubstance.com/our-thinking/how-will-chatgpt-impact-marketing/</loc>
		<lastmod>2026-07-27T19:16:04+00:00</lastmod>
		<image:image>
			<image:loc>https://havesubstance.com/wp-content/uploads/michael-dziedzic-qDG7XKJLKbs-unsplash-scaled.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://havesubstance.com/our-thinking/money-money-money-and-values/</loc>
		<lastmod>2026-07-27T19:16:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://havesubstance.com/our-thinking/marketing-predictions-for-2023/</loc>
		<lastmod>2026-07-27T19:16:56+00:00</lastmod>
		<image:image>
			<image:loc>https://havesubstance.com/wp-content/uploads/jaromir-kavan-vv-oEGlN-4E-unsplash-scaled.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://havesubstance.com/our-thinking/an-important-announcement/</loc>
		<lastmod>2026-07-27T19:17:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://havesubstance.com/our-thinking/unforgettable-advisor-marketing-lessons/</loc>
		<lastmod>2026-07-27T19:17:23+00:00</lastmod>
		<image:image>
			<image:loc>https://havesubstance.com/wp-content/uploads/advisor-marketing-lesson-image.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://havesubstance.com/our-thinking/wealth-management-branding/</loc>
		<lastmod>2026-07-28T15:25:32+00:00</lastmod>
		<image:image>
			<image:loc>https://havesubstance.com/wp-content/uploads/BlogPostImages_ChatGPT-Images-2.0_2026-06-11_14-35-10.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://havesubstance.com/our-thinking/asset-management-branding/</loc>
		<lastmod>2026-07-28T15:26:19+00:00</lastmod>
		<image:image>
			<image:loc>https://havesubstance.com/wp-content/uploads/BlogPostImages_ChatGPT-Images-2.0_2026-06-05_14-58-34.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://havesubstance.com/our-thinking/why-financial-services-advertising-fails/</loc>
		<lastmod>2026-07-28T15:26:49+00:00</lastmod>
		<image:image>
			<image:loc>https://havesubstance.com/wp-content/uploads/BlogPostImages_ChatGPT-Images-2.0_2026-05-27_14-18-06.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://havesubstance.com/our-thinking/lead-generation-for-financial-services/</loc>
		<lastmod>2026-07-28T15:27:27+00:00</lastmod>
		<image:image>
			<image:loc>https://havesubstance.com/wp-content/uploads/LeadGenerational2.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://havesubstance.com/our-thinking/ai-wants-your-money/</loc>
		<lastmod>2026-07-28T15:28:07+00:00</lastmod>
		<image:image>
			<image:loc>https://havesubstance.com/wp-content/uploads/20260327_1432_Image-Generation_simple_compose_01kmr93112e0pvykbrmwwc6bjj.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://havesubstance.com/our-thinking/inertia-breaking-for-really-smart-dummies/</loc>
		<lastmod>2026-07-28T15:28:45+00:00</lastmod>
		<image:image>
			<image:loc>https://havesubstance.com/wp-content/uploads/inertia2.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://havesubstance.com/our-thinking/a-co-dependent-relationship-that-works/</loc>
		<lastmod>2026-07-28T15:29:06+00:00</lastmod>
		<image:image>
			<image:loc>https://havesubstance.com/wp-content/uploads/SalesandMarketing.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://havesubstance.com/wp-content/uploads/Cogent-Brandscape-graph-1.webp</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://havesubstance.com/our-thinking/financial-marketing-in-2026-its-all-about-physics/</loc>
		<lastmod>2026-07-28T15:29:58+00:00</lastmod>
		<image:image>
			<image:loc>https://havesubstance.com/wp-content/uploads/Physics-blast-Large.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://havesubstance.com/our-thinking/introducing-our-investor-roundtables-program/</loc>
		<lastmod>2026-07-28T15:30:38+00:00</lastmod>
		<image:image>
			<image:loc>https://havesubstance.com/wp-content/uploads/Investor-Roundtables-Square.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://havesubstance.com/our-thinking/financial-advertising-missteps/</loc>
		<lastmod>2026-07-28T15:30:59+00:00</lastmod>
		<image:image>
			<image:loc>https://havesubstance.com/wp-content/uploads/DALL%C2%B7E-2025-01-13-10.44.20-A-conceptual-graphic-representing-a-mistake-and-a-fix-in-a-bold-minimalistic-style.-On-the-left-side-a-broken-geometric-shape-such-as-a-shattered-c.webp</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://havesubstance.com/our-thinking/rethinking-your-web-content/</loc>
		<lastmod>2026-07-28T15:31:19+00:00</lastmod>
		<image:image>
			<image:loc>https://havesubstance.com/wp-content/uploads/ai-online-discovery-and-search.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://havesubstance.com/our-thinking/the-cfp-boards-terrible-horrible-no-good-very-bad-campaign/</loc>
		<lastmod>2026-07-28T15:31:47+00:00</lastmod>
		<image:image>
			<image:loc>https://havesubstance.com/wp-content/uploads/DALL%C2%B7E-2024-10-15-13.49.06-An-illustrated-bold-image-of-a-professional-in-business-attire-asleep-on-a-couch-lying-on-their-back-with-an-arm-over-their-eyes-in-a-tired-posture.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://havesubstance.com/wp-content/uploads/Screenshot-2024-10-15-at-12.34.56-PM.webp</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://havesubstance.com/our-thinking/8-ways-to-overcome-the-annuity-marketing-challenge/</loc>
		<lastmod>2026-07-28T15:32:13+00:00</lastmod>
		<image:image>
			<image:loc>https://havesubstance.com/wp-content/uploads/DALL%C2%B7E-2024-09-03-15.39.35-A-symbolic-illustration-representing-annuity-marketing-with-a-more-illustrative-style.-The-central-element-remains-a-stylized-golden-shield-symbolizin.jpeg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://havesubstance.com/our-thinking/say-hey-not-hello-to-financial-advisors/</loc>
		<lastmod>2026-07-28T15:32:39+00:00</lastmod>
		<image:image>
			<image:loc>https://havesubstance.com/wp-content/uploads/DALL%C2%B7E-2024-08-21-15.50.56-Create-a-bold-and-striking-image-of-a-middle-aged-woman-dressed-in-business-casual-attire-specifically-a-button-down-shirt-and-slacks-or-a-blouse-gi.jpeg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://havesubstance.com/our-thinking/the-worst-best-financial-marketer/</loc>
		<lastmod>2026-07-28T15:33:23+00:00</lastmod>
		<image:image>
			<image:loc>https://havesubstance.com/wp-content/uploads/havesubstance_financial_marketing_demonstrating_values_illustra_4be3467a-2094-44e1-b7b5-e0ba391d4649.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://havesubstance.com/our-thinking/blackstone-gets-social-branding-right/</loc>
		<lastmod>2026-07-28T15:33:46+00:00</lastmod>
		<image:image>
			<image:loc>https://havesubstance.com/wp-content/uploads/Substance_Blackstone_Newsletter-2.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://havesubstance.com/our-thinking/three-ways-to-use-generative-ai/</loc>
		<lastmod>2026-07-28T15:34:14+00:00</lastmod>
		<image:image>
			<image:loc>https://havesubstance.com/wp-content/uploads/havesubstance_ideation_AI.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://havesubstance.com/our-thinking/images-of-substance/</loc>
		<lastmod>2026-07-28T15:35:08+00:00</lastmod>
		<image:image>
			<image:loc>https://havesubstance.com/wp-content/uploads/Substance_ImagesofSubstance_Blog.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://havesubstance.com/our-thinking/marketing-predictions-for-2024/</loc>
		<lastmod>2026-07-28T15:35:23+00:00</lastmod>
		<image:image>
			<image:loc>https://havesubstance.com/wp-content/uploads/DALLE-2024-01-11-24.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://havesubstance.com/our-thinking/what-advisors-really-think-about-the-marketing-they-receive/</loc>
		<lastmod>2026-07-28T15:35:45+00:00</lastmod>
		<image:image>
			<image:loc>https://havesubstance.com/wp-content/uploads/havesubstance_insightful_conversation_illustration_simple_clean_d8d61582-6f94-4e8d-900a-0598d6b9c8e0-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://havesubstance.com/our-thinking/a-secret-word-of-mouth-marketing-technique/</loc>
		<lastmod>2026-07-28T16:24:11+00:00</lastmod>
		<image:image>
			<image:loc>https://havesubstance.com/wp-content/uploads/havesubstance_meteor_shower_illustration_simple_clean_modern_da_b60f2d88-8e91-49d5-a821-bd15c3228898.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://havesubstance.com/wp-content/uploads/Screenshot-2023-10-24-at-9.17.44-AM-1.webp</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://havesubstance.com/our-thinking/brand-rollouts-that-stick/</loc>
		<lastmod>2026-07-28T16:25:28+00:00</lastmod>
		<image:image>
			<image:loc>https://havesubstance.com/wp-content/uploads/havesubstance_rolling_out_red_carpet_illustration_simple_clean__7f1d03c2-0c65-4aed-9d66-13c2d96ac134.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://havesubstance.com/our-thinking/5-reasons-brand-initiatives-fail/</loc>
		<lastmod>2026-07-28T16:25:43+00:00</lastmod>
		<image:image>
			<image:loc>https://havesubstance.com/wp-content/uploads/havesubstance_overcome_challenge_illustration_simple_clean_mode_040475b3-0221-49d7-b216-1c116dca9f3c.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://havesubstance.com/our-thinking/how-to-market-to-rias/</loc>
		<lastmod>2026-07-28T16:26:10+00:00</lastmod>
		<image:image>
			<image:loc>https://havesubstance.com/wp-content/uploads/havesubstance_Megaphone_illustration_simple_clean_modern_dark_b_62278bb4-c203-42c4-9e47-31f90e924333.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://havesubstance.com/our-thinking/altruists-branding-playbook/</loc>
		<lastmod>2026-07-28T16:26:26+00:00</lastmod>
		<image:image>
			<image:loc>https://havesubstance.com/wp-content/uploads/havesubstance_book_illustration_simple_clean_modern_dark_blue_e_5787107b-b92c-4adb-bdeb-53c980b16925.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://havesubstance.com/wp-content/uploads/unnamed.webp</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://havesubstance.com/our-thinking/taking-a-look-at-tiaa/</loc>
		<lastmod>2026-07-28T16:26:50+00:00</lastmod>
		<image:image>
			<image:loc>https://havesubstance.com/wp-content/uploads/havesubstance_magnifying_glass_illustration_simple_clean_modern_e60056c1-c4e8-4393-be2c-ca9e8da1bb63.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://havesubstance.com/our-thinking/introducing-substance-for-financial-advisors/</loc>
		<lastmod>2026-07-29T13:42:08+00:00</lastmod>
		<image:image>
			<image:loc>https://havesubstance.com/wp-content/uploads/Social-Announcement-scaled.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://havesubstance.com/our-thinking/financial-services-website-design-best-practices/</loc>
		<lastmod>2026-08-04T02:09:59+00:00</lastmod>
		<image:image>
			<image:loc>https://havesubstance.com/wp-content/uploads/image.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://havesubstance.com/wp-content/uploads/Substance_HomeBase_LinkedIn_2-1.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://havesubstance.com/wp-content/uploads/1_a-spot-1-scaled.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://havesubstance.com/wp-content/uploads/4-scaled-1.webp</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://havesubstance.com/wp-content/uploads/3-scaled-1.webp</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://havesubstance.com/our-thinking/visual-identity-for-asset-managers/</loc>
		<lastmod>2026-08-17T05:34:57+00:00</lastmod>
		<image:image>
			<image:loc>https://havesubstance.com/wp-content/uploads/The-Dos-and-Donts-of-Visual-Identity-for-Asset-Managers.png</image:loc>
		</image:image>
	</url>
</urlset>
<!-- XML Sitemap generated by Yoast SEO -->