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    </image:image>
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    </image:image>
  </url>
  <url>
    <loc>https://agedcaresteps.com.au/contact-us</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-11-11</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60e3e4d870c0e7141450941b/1630630939171-55JXPXSY9YJUF2BG9VQL/Book+a+demo+button.png</image:loc>
      <image:title>Contact us - 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>
  <url>
    <loc>https://agedcaresteps.com.au/membership-faqs</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2023-11-30</lastmod>
  </url>
  <url>
    <loc>https://agedcaresteps.com.au/why-aged-care-advice</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2024-06-27</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60e3e4d870c0e7141450941b/1629250607979-37O5LYKUE2RBKMQ6SDV7/ACS+infographic+-+Critical+third+phase</image:loc>
      <image:title>Why aged care advice - No-one wants to talk about becoming frail.</image:title>
      <image:caption>But it’s going to be a reality for most clients. Starting the conversation early can make a big difference down the track. By breaking retirement into three distinct phases, you can help your clients understand and plan for their future.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60e3e4d870c0e7141450941b/1628205132839-WSAAC6QSLF2EMH63Z4AD/ACS+infographic+chance+of+people+needing+aged+care</image:loc>
      <image:title>Why aged care advice - 2. Growing demand.</image:title>
      <image:caption>There are now more than half a million Australians who are aged 85 and over. It’s a big cohort, and they need expert financial advice. Aged care is complicated, and great advice can make a big difference. Don’t wait around for a client crisis – not only does every client need to consider aged care in their retirement planning, but it’s highly likely that your clients’ parents already need aged care advice.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60e3e4d870c0e7141450941b/1626950576789-VA4YMGXYMIL7K9FRBEDG/People+working+at+desk</image:loc>
      <image:title>Why aged care advice - 3. Meeting the Code of Ethics.</image:title>
      <image:caption>The introduction of the Code of Ethics standards has caused stress and uncertainty. But at its core, it’s about building a stronger advice profession that puts client interests first. Given the high likelihood that your clients will experience frailty, aged care planning can’t be ignored.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60e3e4d870c0e7141450941b/1718772157018-IFGZ9WG5IOIRQAF4QUY2/Social+share+94+percent+of+Australians+concerned+about+cost+of+aged+care.png</image:loc>
      <image:title>Why aged care advice - Your clients need your help now.</image:title>
      <image:caption>94%. The figure speaks for itself, and advisers can no longer ignore it. Your clients are not thinking aged care is something they need to worry about in the future. They are worried about it now. Is your advice business ready today to help your clients navigate these fears and concerns? With various support models to suit how your advice business operates, we can help you and your team provide your clients with the expert aged care advice they need without delay.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://agedcaresteps.com.au/business-models</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2022-03-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60e3e4d870c0e7141450941b/1628749825049-0SASSNSH1RPQYYP8QTZT/ACS+infographic+Business+models</image:loc>
      <image:title>Business models</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60e3e4d870c0e7141450941b/1629700066555-1E2K8V4TFI7AEG9R7QAF/AC+infographic+client+service+offer</image:loc>
      <image:title>Business models</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://agedcaresteps.com.au/code-of-ethics-implications</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2023-10-06</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60e3e4d870c0e7141450941b/1629508956884-0OF6EAU2BCRK1R0IK9PN/Web+images+%281%29.png</image:loc>
      <image:title>Code of Ethics implications</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60e3e4d870c0e7141450941b/1629697852261-3J5OPAE6KHYXXX2RMZDP/Fasea+numbers-2.png</image:loc>
      <image:title>Code of Ethics implications</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60e3e4d870c0e7141450941b/1629697891024-0Z37WEGZO8HYQTIR2US3/Fasea+numbers-3.png</image:loc>
      <image:title>Code of Ethics implications</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60e3e4d870c0e7141450941b/1629697949822-3WD2Y225CFGVPKI2YZ8O/Fasea+numbers-4.png</image:loc>
      <image:title>Code of Ethics implications</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60e3e4d870c0e7141450941b/1629697979544-3DST7OCQOMTE7XDAABTT/Fasea+numbers-5.png</image:loc>
      <image:title>Code of Ethics implications</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60e3e4d870c0e7141450941b/1647396332000-K0GK6LNJ7WP9ZFLR0RVX/Code+of+Ethics+-+6.png</image:loc>
      <image:title>Code of Ethics implications</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60e3e4d870c0e7141450941b/1629169622107-8FGSBX1Y50N69XSO1IE6/Fasea_shadow.png</image:loc>
      <image:title>Code of Ethics implications - The FASEA transition caused stress and uncertainty.</image:title>
      <image:caption>But at its core, it’s about building a stronger advice profession that puts client interests first. Given the high likelihood that your clients (or their parents) will experience frailty, aged care advice can’t be ignored. Advisers need to incorporate aged care considerations in their advice process to satisfy the Financial Planners and Advisers Code of Ethics standards.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://agedcaresteps.com.au/aged-care-myths</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2021-08-25</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60e3e4d870c0e7141450941b/1629512927471-Q198U9DTJ2V1BTFQBVGR/Myth+1+-+transparent+logo.png</image:loc>
      <image:title>Aged care myths - Target clients are aged 80+.</image:title>
      <image:caption>Reality: This group are indeed the main users of aged care services. But when a crisis hits, it is usually the adult children (or grandchildren) who ask for advice and support. Don’t risk losing clients in the 40-65 age group. The adviser who helps them through the aged care maze may become your client’s new best friend.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60e3e4d870c0e7141450941b/1629512943586-6QETW3P93CSEYDJQZWFG/Myth+2+-+transparent+logo.png</image:loc>
      <image:title>Aged care myths - Aged care advice is complex and hard to learn.</image:title>
      <image:caption>Reality: Yes, it can be complex, but it’s not hard to learn! When Aged Care Steps support you, you get the training and support you need – with simple steps to make the process logical. We also continue your learning via ongoing webinars and training should you need it.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60e3e4d870c0e7141450941b/1629512956685-7CDG378H5LHQFJ459KTB/Myth+3+-+transparent+logo.png</image:loc>
      <image:title>Aged care myths - Aged care advice is a one-off transaction.</image:title>
      <image:caption>Reality: If you don’t talk to your clients about aged care until you get the ‘mum is in hospital and can’t go home, what should we do?’ phone call, then you’ve missed a lot of opportunities along the way. A worse scenario is that you don’t get the phone call because your clients call someone else. Get on the front foot and start talking to ALL clients about frailty planning (whether for themselves or a family member) to deliver ongoing value and set your clients (and your business) up for success.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60e3e4d870c0e7141450941b/1629509542776-PJKR257VDDLLYZTP0Q9I/Myth+text.png</image:loc>
      <image:title>Aged care myths - Advisers can’t make money from aged care advice.</image:title>
      <image:caption>Reality: This myth is simply not true. There are an increasing number of advisers who ONLY give aged care advice, and run a profitable business or who are adding aged care to their advice services to boost business revenue. Even if becoming an expert is not for you, aged care advice enables you to protect and grow your business while adding significant value to clients. Sounds like a winning idea to us!</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://agedcaresteps.com.au/what-members-say</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2026-01-23</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60e3e4d870c0e7141450941b/acf5ad3f-c027-4132-90c3-6d7ffcf70121/Quote+graphic.png</image:loc>
    </image:image>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/60e3e4d870c0e7141450941b/acf5ad3f-c027-4132-90c3-6d7ffcf70121/Quote+graphic.png</image:loc>
    </image:image>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/60e3e4d870c0e7141450941b/acf5ad3f-c027-4132-90c3-6d7ffcf70121/Quote+graphic.png</image:loc>
    </image:image>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/60e3e4d870c0e7141450941b/acf5ad3f-c027-4132-90c3-6d7ffcf70121/Quote+graphic.png</image:loc>
    </image:image>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/60e3e4d870c0e7141450941b/acf5ad3f-c027-4132-90c3-6d7ffcf70121/Quote+graphic.png</image:loc>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60e3e4d870c0e7141450941b/1630204338950-UBWKZNLUZ1FHHV2U172V/ACS+five+stars.png</image:loc>
      <image:title>What members say - 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>
  <url>
    <loc>https://agedcaresteps.com.au/how-we-can-help</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-12-09</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60e3e4d870c0e7141450941b/1629265470158-YSPQVUJ4AI6GKMK0F28J/001_ACS-Website-Icons_Accreditation-Char.png</image:loc>
      <image:title>How we can help</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60e3e4d870c0e7141450941b/1629265487693-AZZX7C1IKR202G5A5A0A/001_ACS-Website-Icons_Paraplanning-Char.png</image:loc>
      <image:title>How we can help</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60e3e4d870c0e7141450941b/1629265506192-1OVTVZ38FDMWO5Q16X6U/001_ACS-Website-Icons_Training-Char.png</image:loc>
      <image:title>How we can help</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60e3e4d870c0e7141450941b/1629265539995-MFU5NHXSODB8UF5RY4TU/001_ACS-Website-Icons_Business-Toolkit-Char.png</image:loc>
      <image:title>How we can help</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60e3e4d870c0e7141450941b/1629265570034-SRB06OS06Y4IDPQB6YDR/001_ACS-Website-Icons_Advice-Generator_char.png</image:loc>
      <image:title>How we can help</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60e3e4d870c0e7141450941b/1629265598646-N1GOVFKOKYYBS54O1AYO/001_ACS-Website-Icons_Aged-Care-Personal-Advice-Char.png</image:loc>
      <image:title>How we can help</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60e3e4d870c0e7141450941b/1630195729460-P9J0FJ14I0C7F7I2G7OB/Business+success+graphic2.png</image:loc>
      <image:title>How we can help - 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>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60e3e4d870c0e7141450941b/1628749825049-0SASSNSH1RPQYYP8QTZT/002_ACS-infographic_v6a.png</image:loc>
      <image:title>How we can help</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60e3e4d870c0e7141450941b/8b5e3f34-b998-4bb5-b6ee-4253ed088c27/IFA+2025+Business+Outcome.png</image:loc>
    </image:image>
  </url>
  <url>
    <loc>https://agedcaresteps.com.au/acs-services</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2023-11-30</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60e3e4d870c0e7141450941b/1630197459277-HUAHT2DX3KU9IVY7DLGQ/Survey+96.png</image:loc>
      <image:title>ACS services</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60e3e4d870c0e7141450941b/1630197555660-0PQ4TL2VGIFVGOFANIDY/Suvey+95.png</image:loc>
      <image:title>ACS services</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60e3e4d870c0e7141450941b/1630197608594-ZAKNAEAZ7JT5SRVWPIND/Survey+98.png</image:loc>
      <image:title>ACS services</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60e3e4d870c0e7141450941b/1630197673985-GGKSGQE3KSQ7JHY70BIU/Survey+86.png</image:loc>
      <image:title>ACS services</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60e3e4d870c0e7141450941b/1629338241888-IHXO5FF7DG4QZ0UT8RLK/Accreditation+logo</image:loc>
      <image:title>ACS services - Accredited Aged Care Professional™ program.</image:title>
      <image:caption>We have spoken to many advisers who were keen to discuss aged care with their clients but lacked confidence. That’s why we built our Accredited Aged Care Professional™ program, the gold standard in aged care advice training for financial advisers. The program focuses not just on the technical rules but also the practical implementation of aged care advice. Join over 2,000 advisers and enrol today.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60e3e4d870c0e7141450941b/1629341893694-HD6YGI6OWYPDECI528LS/Training+session+with+whiteboards+and+markers</image:loc>
      <image:title>ACS services - Ongoing training.</image:title>
      <image:caption>Webinars and masterclasses to keep you on top of the latest developments with technical knowledge, practical skills and industry developments – and gain CPD across all Code of Ethics categories.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60e3e4d870c0e7141450941b/1629341916098-R4HMGYOFUQTTKISZGSKL/Laptop+showing+Business+Toolkit+web+page</image:loc>
      <image:title>ACS services - Business Toolkit™.</image:title>
      <image:caption>Looking for business efficiency? Become an Aged Care Steps member to save time and money, with everything you need to deliver quality aged care advice.  The Business Toolkit™ is the core of our membership packages. It is your one-stop-shop for everything aged care advice related. Whether you need to run a quick calculation or promote your services (or anything in between), the Business Toolkit™ will be your first port of call.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60e3e4d870c0e7141450941b/1629341939229-EC67PMX1HLXEJGD13N7X/Two+women+at+desk+discussing+advice</image:loc>
      <image:title>ACS services - Advice Generator™.</image:title>
      <image:caption>Don’t waste time building your own spreadsheets and text templates. Aged Care Steps has done the work for you. With simple data input and templated SOA wording, the Advice Generator™ is fast and flexible. You can model up to five strategies and produce an advice document, with confidence in the accuracy of outcomes.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60e3e4d870c0e7141450941b/1629342607840-RCQQPZF0BEY69PAYDBBT/Woman+reviewing+business+report+at+desk</image:loc>
      <image:title>ACS services - Paraplanning.</image:title>
      <image:caption>No time to write an aged care advice document? Or not sure how? We can do it for you – with quick turnaround times and ideas to develop the advice strategy.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60e3e4d870c0e7141450941b/1629342673338-HIGLCW5U5DUHH7U9LQN9/Colleagues+at+desk+discussing+advice</image:loc>
      <image:title>ACS services - Aged Care Personal Advice™.</image:title>
      <image:caption>Sometimes you may not want to give the advice to clients. Perhaps aged care hasn’t yet been part of your business, or you are not authorised to give advice on aged care, but suddenly you have a client who needs help. Or perhaps you want a mentor to help you learn as you go. This is why we developed Aged Care Personal Advice™ - to work with you so you can outsource aged care advice for your clients to us.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60e3e4d870c0e7141450941b/1629342766310-CCYZ6YAECG4FZJ0JUL0F/image+of+magnifying+glass+showing+words+regulations+and+compliance</image:loc>
      <image:title>ACS services - Supporting AFSLs.</image:title>
      <image:caption>It’s not just advisers who are grappling with aged care advice. It’s an area of growing importance for licensees too. Talk to us about how we can support your practice development activities and compliance policies to help maximise aged care advice opportunities.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://agedcaresteps.com.au/accreditation</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2026-03-18</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60e3e4d870c0e7141450941b/1629347121927-OSNKZTZLMW31XW6YR48A/Accreditation-logo.png</image:loc>
      <image:title>Accreditation</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60e3e4d870c0e7141450941b/1629347146229-11JXT0YQKWZR78JSD08K/Accreditation+-+Find+an+advisor.png</image:loc>
      <image:title>Accreditation</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60e3e4d870c0e7141450941b/1629690401163-53YJXV4D5UF2EZMH92SK/Accreditation+certificate.png</image:loc>
      <image:title>Accreditation</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60e3e4d870c0e7141450941b/1629690638812-04AOZET4A5WHR2B2BM0Z/Studying.png</image:loc>
      <image:title>Accreditation</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60e3e4d870c0e7141450941b/1636071477214-ZWCTEHJRQBOT16IA9UON/Deakin+logo.png</image:loc>
      <image:title>Accreditation</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60e3e4d870c0e7141450941b/1629773844578-4R1K0XAGTFCK52IM05RP/Steps+to+get+aged+care+ready.png</image:loc>
      <image:title>Accreditation</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60e3e4d870c0e7141450941b/1641877764028-9OLRVOIT5IJK6SSQ89YJ/Accreditation_congrats+you+deserve+this.png</image:loc>
      <image:title>Accreditation</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60e3e4d870c0e7141450941b/4ea4542b-0eb3-4c72-af86-68ea248eb444/Accreditation+-+Award+winning+-+2025+update.png</image:loc>
      <image:title>Accreditation</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60e3e4d870c0e7141450941b/7630b7c6-2a73-4faf-9650-b98333141c67/FAAA+Logo+Lock+up+March+2026.png</image:loc>
      <image:title>Accreditation</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60e3e4d870c0e7141450941b/1629522471201-G7UNFGELDBK5NOLE3WVQ/Simon+Kneebone+cartoon+of+Aged+Care+system</image:loc>
      <image:title>Accreditation - Join more than 2,700 advisers &amp; start your aged care advice journey.</image:title>
      <image:caption>We have spoken to many advisers who are keen to discuss aged care with their clients, but lack confidence. That’s why we built our Accredited Aged Care Professional™ program - to build your competency and credibility. This program covers the rules for aged care advice (residential and support at home) from 1 November 2025 - so get your accreditation today!</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://agedcaresteps.com.au/business-toolkit</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-10-28</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/1618497259178-6XJGK9GR6YAVBQL5L519/20140301_Trade-151_012-2.jpg</image:loc>
      <image:title>Business Toolkit</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/1607694583486-2PQT0LQ193RL7MCB6DX4/20140228_Trade+151_0046.jpg</image:loc>
      <image:title>Business Toolkit</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/1607694644871-IC85FNH781UNZSZEGHDR/Aro+Ha_0428.jpg</image:loc>
      <image:title>Business Toolkit</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/1618497259178-6XJGK9GR6YAVBQL5L519/20140301_Trade-151_012-2.jpg</image:loc>
      <image:title>Business Toolkit</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/1607694583486-2PQT0LQ193RL7MCB6DX4/20140228_Trade+151_0046.jpg</image:loc>
      <image:title>Business Toolkit</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/1607694644871-IC85FNH781UNZSZEGHDR/Aro+Ha_0428.jpg</image:loc>
      <image:title>Business Toolkit</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60e3e4d870c0e7141450941b/1630463280897-M2NBB2P4TO870NPSNBCF/Icon+-+headset.png</image:loc>
      <image:title>Business Toolkit</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60e3e4d870c0e7141450941b/1630463347978-URQTBZZYDJ8EWEH1I5S9/Icon+-+graph.png</image:loc>
      <image:title>Business Toolkit</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60e3e4d870c0e7141450941b/1630463307071-IHTBBF6W05B9D843G6LK/Icon+-+tools.png</image:loc>
      <image:title>Business Toolkit</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60e3e4d870c0e7141450941b/1630463527184-LOZACTIY5LBCU6XGTHJF/Icon_Promote.png</image:loc>
      <image:title>Business Toolkit</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60e3e4d870c0e7141450941b/1628044837242-OKY95Y9I2W96J5R5FSFD/Laptop+showing+ACS+business+toolkit+web+page</image:loc>
      <image:title>Business Toolkit - Your one-stop shop for everything aged care advice related - the Business Toolkit™.</image:title>
      <image:caption>The first step to successfully incorporating aged care advice into your business is to let your clients know you are ready to help. The Aged Care Steps Business Toolkit™ makes it easy to promote your business and is the core of our membership packages. Whether you need to run a quick calculation or promote your services (or anything in between), the Business Toolkit™ will be your first port of call.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60e3e4d870c0e7141450941b/1630462642521-T885WQCLJQQWTOLUZOG7/ACS+Quick+calculator.png</image:loc>
      <image:title>Business Toolkit - Quick calculators</image:title>
      <image:caption>Our range of calculators are one of our most popular and valued resources, enabling you to do quick calculations on daily fees, home care, Centrelink, DAP from RAD, estate planning strategies, and low-means. Flowchart calculators enable you to simply solve how the home is assessed and protected person implications.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60e3e4d870c0e7141450941b/8d3ee0e6-cf77-4d83-b254-e0a168d422be/IFA25_Seals_Finalist_Business+Outcome+Leader+of+the+Year.png</image:loc>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60e3e4d870c0e7141450941b/c420d550-2190-49fa-80e8-ca3b7aab53ba/IFA25_Seals_Finalist_Marketing+Program+of+the+Year.png</image:loc>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60e3e4d870c0e7141450941b/399f8ce5-42d8-4689-ab02-a05cf3caad26/IFA25_Seals_Finalist_Training+and+Education+Partner+of+the+Year.png</image:loc>
    </image:image>
  </url>
  <url>
    <loc>https://agedcaresteps.com.au/advice-generator</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2026-01-04</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60e3e4d870c0e7141450941b/1629690938522-YBHVV0KJPDLBDTZNWXEJ/Advice+Generator+screen+shown+on+computer</image:loc>
      <image:title>Advice Generator - Develop an advice document in under two hours.</image:title>
      <image:caption>Don’t waste time building your own spreadsheets and text templates. Aged Care Steps has done the work for you.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://agedcaresteps.com.au/paraplanning</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2024-09-17</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60e3e4d870c0e7141450941b/1629356078820-WSTX37BOA58M9D1H18AS/Woman+reviewing+business+documents+at+desk</image:loc>
      <image:title>Paraplanning - No cost to sign up.</image:title>
      <image:caption>Sign up to our paraplanning service at no cost – just pay as you go for each plan. When ready, complete our client Fact Find and email it to us. Once all the required information is provided, we’ll produce advice documents written in plain English and tailored to your client’s situation and needs. We can include up to five scenarios so you can be completely confident that you’re recommending an appropriate course of action. However, this is your advice. Ensure you are authorised to provide advice, add your compliance details to the document and make sure it is a compliant advice document that meets your AFSL requirements.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60e3e4d870c0e7141450941b/1629595854838-GVXIA7JHBDEIHD0MXEKB/Advice+Generator+client+record+template+shown+on+laptop</image:loc>
      <image:title>Paraplanning - You’ll be doing it on your own in no time.</image:title>
      <image:caption>With a bit of experience (and accreditation completed), after using our paraplanning service a few times, you might be ready to use the Advice Generator™ yourself to produce your own advice documents. Let us show you how simple it is to use.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60e3e4d870c0e7141450941b/1629597966912-CH8SM6IKG3PEK50TQB7S/ACS+Fact+Find+documents+on+desk</image:loc>
      <image:title>Paraplanning - Why use us?</image:title>
      <image:caption>Our team are specialists in aged care advice, so you know you are getting help from experts. Partner with us to: Boost your confidence while you are on a learning curve. Save you time, so you can spend your time with clients. Create business efficiencies for better profitability. Fill a resource gap for quick turn-around when clients need advice urgently. Add expertise when modelling complicated client scenarios.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://agedcaresteps.com.au/workshops-and-cpd</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2026-03-28</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/60e3e4d870c0e7141450941b/1768952861733-Y48MJGML8J83PIF6Y7FP/unsplash-image-s9CC2SKySJM.jpg</image:loc>
    </image:image>
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    </image:image>
    <image:image>
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    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60e3e4d870c0e7141450941b/1766019886620-1SGAPPI6PUZQ81M1VJU7/samantha-borges-EeS69TTPQ18-unsplash.jpg</image:loc>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60e3e4d870c0e7141450941b/1630292036746-JRQGRN1NDBB4DTMLJE0A/Advice+Generator.png</image:loc>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60e3e4d870c0e7141450941b/5eab57b5-38b3-469e-8e60-c6af3f5c5742/alex-shuper-iVB_cYwVtss-unsplash.jpg</image:loc>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60e3e4d870c0e7141450941b/1630299692874-FC8YOTS5JPNGHZWSI9CJ/Accreditation.png</image:loc>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60e3e4d870c0e7141450941b/2508367d-1871-4727-83b6-d03ab72b3caf/ACS+IFA+Nominations+and+Awards-2.gif</image:loc>
      <image:title>Workshops and CPD - 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>
  <url>
    <loc>https://agedcaresteps.com.au/afsl-support</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-10-28</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60e3e4d870c0e7141450941b/1629358491885-XOTREJQVTM0EHIGBNQ58/Calculator+and+documents+on+desk+with+word+Expert+highlighted</image:loc>
      <image:title>AFSL support - Experts in our field.</image:title>
      <image:caption>As experts in aged care advice, we can assist you in developing your aged care advice policies and compliance checklists. Plus, we can help you explain aged care advice to your advisers – whether it be how to market aged care services, give aged care advice, or anything in between.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60e3e4d870c0e7141450941b/1629358271769-12DT19AF38HKGB0CR6CL/Business+man+pointing+to+graph+showing+increased+results</image:loc>
      <image:title>AFSL support - Custom solutions.</image:title>
      <image:caption>Every licensee is different, so we will build a package to meets your specific requirements. To book a time to discuss your needs, please get in touch.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60e3e4d870c0e7141450941b/e92dede2-2187-4371-80ac-1588e3f50228/ACS+IFA+Nominations+and+Awards-3.gif</image:loc>
    </image:image>
  </url>
  <url>
    <loc>https://agedcaresteps.com.au/louise-biti</loc>
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    <lastmod>2026-01-19</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/60e3e4d870c0e7141450941b/1629427627489-G7M2F7WMVEBBG2XR0GBG/Louise+Biti.png</image:loc>
      <image:title>Louise Biti - 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>
  <url>
    <loc>https://agedcaresteps.com.au/intergenerational-report-download</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2021-08-25</lastmod>
  </url>
  <url>
    <loc>https://agedcaresteps.com.au/budget-2021-analysis</loc>
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    <priority>0.75</priority>
    <lastmod>2021-08-31</lastmod>
  </url>
  <url>
    <loc>https://agedcaresteps.com.au/what-clients-want</loc>
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    <lastmod>2021-08-25</lastmod>
  </url>
  <url>
    <loc>https://agedcaresteps.com.au/whitepaper-code-of-ethics</loc>
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    <lastmod>2023-10-05</lastmod>
  </url>
  <url>
    <loc>https://agedcaresteps.com.au/whitepaper-third-phase-of-retirement</loc>
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    <lastmod>2023-10-04</lastmod>
  </url>
  <url>
    <loc>https://agedcaresteps.com.au/assyat-david</loc>
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    <lastmod>2026-01-19</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60e3e4d870c0e7141450941b/1629596812913-96JQKU7UB30KSRJP2SIK/Assyat+David.png</image:loc>
      <image:title>Assyat David - 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>
  <url>
    <loc>https://agedcaresteps.com.au/lara-hansen</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2026-01-19</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60e3e4d870c0e7141450941b/1629511068628-6W1AM0H1PIW3X65K7N4D/Lara+Hansen.png</image:loc>
      <image:title>Lara Hansen - 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>
  <url>
    <loc>https://agedcaresteps.com.au/jacqui-hayes</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2026-01-19</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60e3e4d870c0e7141450941b/1629511186120-ZQ511GFJI5ELNNULPSEE/Jacqui+Hayes.png</image:loc>
      <image:title>Jacqui Hayes - 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>
  <url>
    <loc>https://agedcaresteps.com.au/membership-packages-flyer</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2023-01-23</lastmod>
  </url>
  <url>
    <loc>https://agedcaresteps.com.au/book-a-demonstration</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-11-11</lastmod>
  </url>
  <url>
    <loc>https://agedcaresteps.com.au/jennifer-langton</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2026-01-19</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60e3e4d870c0e7141450941b/eda57194-a8f0-47ad-ab8e-35bfad5edc70/Jennifer+Langton.png</image:loc>
      <image:title>Jennifer Langton - 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>
  <url>
    <loc>https://agedcaresteps.com.au/about-us</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2026-01-23</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60e3e4d870c0e7141450941b/1630282311847-4JVKFEE36CKIV0HIRUIQ/Inform.png</image:loc>
      <image:title>About us</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60e3e4d870c0e7141450941b/1630282326515-4G2T3EOKSUJWNTEC1W26/Support.png</image:loc>
      <image:title>About us</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60e3e4d870c0e7141450941b/1630203630047-5VM1RAEKIXWOLCDXXGM1/Tools2.png</image:loc>
      <image:title>About us</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60e3e4d870c0e7141450941b/b7de7abc-5947-473f-ac05-9851c6e2270f/IFA+combine+awards+-+2025+update.png</image:loc>
      <image:title>About us - Aged Care Steps is the market leader in aged care advice.</image:title>
      <image:caption>We provide advisers with the resources and tools needed to offer (or outsource) aged care advice - building expertise in advice delivery.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60e3e4d870c0e7141450941b/1629427627489-G7M2F7WMVEBBG2XR0GBG/Louise+Biti.png</image:loc>
      <image:title>About us - 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>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60e3e4d870c0e7141450941b/1629596812913-96JQKU7UB30KSRJP2SIK/Assyat+David.png</image:loc>
      <image:title>About us - 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>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60e3e4d870c0e7141450941b/1629511068628-6W1AM0H1PIW3X65K7N4D/Lara+Hansen.png</image:loc>
      <image:title>About us - 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>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60e3e4d870c0e7141450941b/1629511186120-ZQ511GFJI5ELNNULPSEE/Jacqui+Hayes.png</image:loc>
      <image:title>About us - 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>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60e3e4d870c0e7141450941b/1db1c303-35ab-4784-91e8-582e7fb08417/Catherine+Chivers.png</image:loc>
      <image:title>About us - 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>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60e3e4d870c0e7141450941b/fd6e3eca-0966-4eb6-af50-935e596cb0a4/Danni+Dixon.png</image:loc>
      <image:title>About us - 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>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60e3e4d870c0e7141450941b/eda57194-a8f0-47ad-ab8e-35bfad5edc70/Jennifer+Langton.png</image:loc>
      <image:title>About us - 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>
  <url>
    <loc>https://agedcaresteps.com.au/whitepaper-industry-super-funds-need-to-consider</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2023-10-07</lastmod>
  </url>
  <url>
    <loc>https://agedcaresteps.com.au/aged-care-advice</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
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