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    <loc>https://www.modernistuniversity.com/blog/2023/international-investing</loc>
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      <image:title>Blog - Does Investing Internationally Still Make Sense? - Make it stand out</image:title>
      <image:caption>Over any period, U.S. stock returns can be higher than international stock returns and vice versa!</image:caption>
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    <loc>https://www.modernistuniversity.com/blog/2023/bonds-never-go-out-of-style</loc>
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    <loc>https://www.modernistuniversity.com/blog/2023/focusing-on-big-picture</loc>
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    <lastmod>2024-10-01</lastmod>
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      <image:title>Blog - The Effects of Diversification aka Keeping An Eye on the Big Picture - 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>
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    <loc>https://www.modernistuniversity.com/blog/2023/q1-in-perspective</loc>
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    <lastmod>2024-10-01</lastmod>
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      <image:title>Blog - FROM OUR INVESTMENT COMMITTEE: Q1 2023 in Perspective - Make it stand out</image:title>
      <image:caption>Source: Morningstar Direct, April 2023. Market segment (Index representation) as follows: U.S. Large-Cap Stocks (Russell 1000 Index), U.S. Value Stocks (Russell 1000 Value Index), U.S. Small-Cap Stocks (Russell 2000 Index), U.S. REIT Stocks (Dow Jones U.S. Select REIT Index), International Value Stocks (MSCI World Ex USA Value Index (net div.)), International Small-Cap Stocks (MSCI World Ex USA Small Index (net div.)), Emerging Markets Value Stocks (MSCI Emerging Markets IMI Value Index (net div)), U.S. Short-Term Bonds (ICE BofA 1-3Y US Corp&amp;Govt TR), Global Bonds (FTSE WGBI 1-5 Yr Hdg USD).</image:caption>
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      <image:title>Blog - FROM OUR INVESTMENT COMMITTEE: Q1 2023 in Perspective</image:title>
      <image:caption>Source: Morningstar Direct, April 2023. U.S. markets represented by respective Russell indexes for each category (Large: Russell 1000, Value, and Growth, Mid: Russell Mid Cap, Value, and Growth, Small: Russell 2000, Value, and Growth).</image:caption>
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      <image:title>Blog - FROM OUR INVESTMENT COMMITTEE: Q1 2023 in Perspective - Make it stand out</image:title>
      <image:caption>Source: Morningstar Direct, April 2023. International markets represented by respective MSCI World EX USA index series (Large: MSCI World EX USA Large, Value and Growth, Mid: MSCI World Ex USA Mid, Value, and Growth, Small: MSCI World Ex USA Small, Value, and Growth).</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Blog - APRIL NEWSLETTER | How We’re Walking Our Talk - 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>
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      <image:title>Blog - APRIL NEWSLETTER | How We’re Walking Our Talk - 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>
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      <image:title>Blog - APRIL NEWSLETTER | How We’re Walking Our Talk - 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>
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      <image:title>Blog - APRIL NEWSLETTER | How We’re Walking Our Talk - 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>
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      <image:title>Blog - APRIL NEWSLETTER | How We’re Walking Our Talk - 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>
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      <image:caption>A helpful visual for keeping historical context top of mind!</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Blog - Silicon Valley Bank + Federal Reserve Action: What It Means For You - 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>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Thanks to the queens doing the good work on We’re Here.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Blog - JANUARY NEWSLETTER | We’re Dreaming of Big Impact - 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>
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    <lastmod>2024-10-01</lastmod>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Blog - FROM OUR INVESTMENT COMMITTEE: Inflation May Have Peaked As New Year Begins - 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>
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    <lastmod>2024-10-01</lastmod>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Blog - FROM OUR INVESTMENT COMMITTEE: Q4 2022 in Perspective</image:title>
      <image:caption>Source: Morningstar Direct, January 2023. U.S. markets represented by respective Russell indexes for each category (Large: Russell 1000, Value, and Growth, Mid: Russell Mid Cap, Value, and Growth, Small: Russell 2000, Value, and Growth).</image:caption>
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      <image:title>Blog - FROM OUR INVESTMENT COMMITTEE: Q4 2022 in Perspective - Make it stand out</image:title>
      <image:caption>Source: Morningstar Direct, January 2023. International markets represented by respective MSCI World EX USA index series (Large: MSCI World EX USA Large, Value and Growth, Mid: MSCI World Ex USA Mid, Value, and Growth, Small: MSCI World Ex USA Small, Value, and Growth).</image:caption>
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      <image:title>Blog - FROM OUR INVESTMENT COMMITTEE: Q4 2022 in Perspective - 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>
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    <lastmod>2024-10-01</lastmod>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>HYPOTHETICAL GROWTH OF $1 INVESTED IN S&amp;P 500 INDEX, January 1, 1926–June 30, 2022</image:caption>
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      <image:caption>Our manifesto reminds us to challenge dominant narratives to create unique paths forward.</image:caption>
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      <image:caption>Unemployment Rate Ticked Up To 3.7% In August, Remains Well Below Recession Periods Note: Seasonally adjusted. Shaded areas indicate U.S. recession periods. Source: St. Louis FRED data and Bureau of Labor Statistics.</image:caption>
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      <image:title>Blog - FROM OUR INVESTMENT COMMITTEE: Economic Brief: Labor Market Remains Tight As Global Risks Rise - Make it stand out</image:title>
      <image:caption>Note: Jobs added is based on nonfarm payroll employment reported by the BLS. The core consumer price index (CPI) excludes food and energy. CPI and producer price index (PPI) figures represent month-overmonth changes. Consumer sentiment is from the University of Michigan’s consumer sentiment index. Sources: Bureau of Economic Analysis, Bureau of Labor Statistics, and University of Michigan.</image:caption>
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      <image:title>Blog - FROM OUR INVESTMENT COMMITTEE: Q3 2022 in Perspective</image:title>
      <image:caption>Source: Morningstar Direct, October 2022. U.S. markets represented by respective Russell indexes for each category (Large: Russell 1000, Value, and Growth, Mid: Russell Mid Cap, Value, and Growth, Small: Russell 2000, Value, and Growth).</image:caption>
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      <image:title>Blog - FROM OUR INVESTMENT COMMITTEE: Q3 2022 in Perspective - Make it stand out</image:title>
      <image:caption>Source: Morningstar Direct, October 2022. International markets represented by respective MSCI World EX USA index series (Large: MSCI World EX USA Large, Value and Growth, Mid: MSCI World Ex USA Mid, Value, and Growth, Small: MSCI World Ex USA Small, Value, and Growth).</image:caption>
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      <image:title>Blog - FROM OUR INVESTMENT COMMITTEE: Markets 2022: A Matter of Perspective - 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>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5a983e464611a0d842881eb0/cb92e763-1bad-4cae-b8cf-376ddfd66696/Screen+Shot+2022-08-05+at+1.47.53+PM.png</image:loc>
      <image:title>Blog - FROM OUR INVESTMENT COMMITTEE: Markets 2022: A Matter of Perspective - Make it stand out</image:title>
      <image:caption>Performance has also been tough to stomach in global stock markets (see figures 2 and 3 above)</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5a983e464611a0d842881eb0/1621284793109-VDSW9CTQVKLUY89IQ8KC/Modernist+Cycle+Digital.png</image:loc>
      <image:title>Blog - FROM OUR INVESTMENT COMMITTEE: Markets 2022: A Matter of Perspective - Want To Work With Us?</image:title>
      <image:caption>Learn more about Modernist and how we support our clients.</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5a983e464611a0d842881eb0/c1f163ef-f88e-4730-afff-254c0dd0221d/Screen+Shot+2022-08-05+at+1.53.32+PM.png</image:loc>
      <image:title>Blog - FROM OUR INVESTMENT COMMITTEE: Markets 2022: A Matter of Perspective - 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>
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  </url>
  <url>
    <loc>https://www.modernistuniversity.com/blog/2022/july-newsletter</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-10-01</lastmod>
  </url>
  <url>
    <loc>https://www.modernistuniversity.com/blog/2022/all-eyes-on-inflation</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-10-01</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5a983e464611a0d842881eb0/6c729e15-1920-492f-ba5e-a80adcaa7bbe/Screen+Shot+2022-07-27+at+11.53.16+AM.png</image:loc>
      <image:title>Blog - FROM OUR INVESTMENT COMMITTEE: All Eyes On Inflation For The Remainder Of 2022 - 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>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5a983e464611a0d842881eb0/aa2a3a3c-d346-41cc-a6e5-e43b3cb72c1e/Screen+Shot+2022-07-27+at+12.03.59+PM.png</image:loc>
      <image:title>Blog - FROM OUR INVESTMENT COMMITTEE: All Eyes On Inflation For The Remainder Of 2022 - 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>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5a983e464611a0d842881eb0/1621284793109-VDSW9CTQVKLUY89IQ8KC/Modernist+Cycle+Digital.png</image:loc>
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  </url>
  <url>
    <loc>https://www.modernistuniversity.com/blog/2022/q2-in-perspective</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-10-01</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5a983e464611a0d842881eb0/045fee78-c59e-4d69-8e08-de0166d62022/Screen+Shot+2022-07-14+at+5.31.41+PM.png</image:loc>
      <image:title>Blog - FROM OUR INVESTMENT COMMITTEE: Q2 2022 in Perspective - 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/v1/5a983e464611a0d842881eb0/807351ff-50c9-4f31-a5ff-284cf719e96f/Screen+Shot+2022-04-11+at+11.19.28+AM.png</image:loc>
      <image:title>Blog - FROM OUR INVESTMENT COMMITTEE: Q2 2022 in Perspective</image:title>
      <image:caption>Source: Morningstar Direct, July 2022. U.S. markets represented by respective Russell indexes for each category (Large: Russell 1000, Value, and Growth, Mid: Russell Mid Cap, Value, and Growth, Small: Russell 2000, Value, and Growth).</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5a983e464611a0d842881eb0/7e32ea12-d8f0-42ec-b91d-88d67e3a7d84/Screen+Shot+2022-07-14+at+5.32.32+PM.png</image:loc>
      <image:title>Blog - FROM OUR INVESTMENT COMMITTEE: Q2 2022 in Perspective - Make it stand out</image:title>
      <image:caption>Source: Morningstar Direct, July 2022. International markets represented by respective MSCI World EX USA index series (Large: MSCI World EX USA Large, Value and Growth, Mid: MSCI World Ex USA Mid, Value, and Growth, Small: MSCI World Ex USA Small, Value, and Growth).</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5a983e464611a0d842881eb0/e2cf1892-fe86-4b67-9802-1422a652ce82/Screen+Shot+2022-01-26+at+2.29.31+PM.png</image:loc>
      <image:title>Blog - FROM OUR INVESTMENT COMMITTEE: Q2 2022 in Perspective - 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>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5a983e464611a0d842881eb0/1621284793109-VDSW9CTQVKLUY89IQ8KC/Modernist+Cycle+Digital.png</image:loc>
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      <image:caption>Learn more about Modernist and how we support our clients.</image:caption>
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  </url>
  <url>
    <loc>https://www.modernistuniversity.com/blog/2022/how-the-wealthy-are-managing-the-downturn</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-10-01</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5a983e464611a0d842881eb0/8d6e8a4b-1861-4c4b-a69c-2f4acd2dd318/Fortune+Article+Screenshot.jpg</image:loc>
      <image:title>Blog - FORTUNE: Understanding How The Wealthy Are Managing Their Money Through the Current Stock Market Downturn - Make it stand out</image:title>
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  <url>
    <loc>https://www.modernistuniversity.com/blog/2022/fixed-income-market-concerns</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-10-01</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5a983e464611a0d842881eb0/b2f7b37d-3106-4c54-a19f-73ce9f0ed2ad/Screen+Shot+2022-07-05+at+12.08.55+PM.png</image:loc>
      <image:title>Blog - Addressing Concerns About Fixed Income Markets - Make it stand out</image:title>
      <image:caption>Figure 1 shows the number of expected 25 basis point hikes in the target rate for 2022.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5a983e464611a0d842881eb0/4758514b-12b8-4e00-b081-11496aada5c5/Screen+Shot+2022-07-05+at+12.09.05+PM.png</image:loc>
      <image:title>Blog - Addressing Concerns About Fixed Income Markets - Make it stand out</image:title>
      <image:caption>The dramatic change in expectations for the speed and overall increase in the target rate naturally pushed up other fixed income rates, like Treasury yields, in tandem. Figure 2 shows the increase in Treasury yields month over month, which has resulted in the historically poor fixed income performance through June 14.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5a983e464611a0d842881eb0/b0add0fd-f7a6-429a-abca-5118aaa47a1f/Screen+Shot+2022-07-05+at+12.09.18+PM.png</image:loc>
      <image:title>Blog - Addressing Concerns About Fixed Income Markets - Make it stand out</image:title>
      <image:caption>Figure 3 shows today’s Treasury curve versus the one-year forward rate curve. As you can see, the market is pricing in significant rate increases in the one- to three-year portion of the curve, with more modest increases further out on the curve.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5a983e464611a0d842881eb0/a7ced056-2197-4878-9782-78a39e904add/Screen+Shot+2022-07-05+at+12.22.44+PM.png</image:loc>
      <image:title>Blog - Addressing Concerns About Fixed Income Markets - 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>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5a983e464611a0d842881eb0/22f726d2-703f-4bb8-8269-ba9747d79ae4/Screen+Shot+2022-07-05+at+12.24.24+PM.png</image:loc>
      <image:title>Blog - Addressing Concerns About Fixed Income Markets - Make it stand out</image:title>
      <image:caption>Figure 5 shows that in each of these four periods of rising rates, fixed income actually produced positive returns. Periods of rising interest rates don’t automatically doom investors to negative returns.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5a983e464611a0d842881eb0/9dc5af0e-f78e-4731-a31a-42ed8894e539/Screen+Shot+2022-07-05+at+12.35.03+PM.png</image:loc>
      <image:title>Blog - Addressing Concerns About Fixed Income Markets - 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>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5a983e464611a0d842881eb0/1621284793109-VDSW9CTQVKLUY89IQ8KC/Modernist+Cycle+Digital.png</image:loc>
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  </url>
  <url>
    <loc>https://www.modernistuniversity.com/blog/2022/june-newsletter</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-10-01</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5a983e464611a0d842881eb0/aadb008c-027f-4143-8d14-b11332499570/Digital+Mural+Assets_JUNE.png</image:loc>
      <image:title>Blog - JUNE NEWSLETTER | Queer Activism is our Money Story - 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>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5a983e464611a0d842881eb0/9f591810-8f03-4782-a0ec-171a16c5cf3f/BM9-Rally-Oct-4-9-special-hate-signs.jpeg</image:loc>
      <image:title>Blog - JUNE NEWSLETTER | Queer Activism is our Money Story - Make it stand out</image:title>
      <image:caption>Client Experience Associate and Solar Advocate Alejandra Gonzales</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5a983e464611a0d842881eb0/6d6e1354-43dd-4d3a-b63b-632684f618fa/Modernist+Queen+Carousel.gif</image:loc>
      <image:title>Blog - JUNE NEWSLETTER | Queer Activism is our Money Story - 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>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5a983e464611a0d842881eb0/9e867f03-f9dc-424a-bd2c-448d25f6ee5a/1.png</image:loc>
      <image:title>Blog - JUNE NEWSLETTER | Queer Activism is our Money Story - Make it stand out</image:title>
      <image:caption>From our 2022 Modernist Calendar: A mural by Open Eye Art in collaboration with Color Outside The Lines, located at SW 4th &amp; Alder here in Portland. Swing by Barista when you’re in the neighborhood!</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5a983e464611a0d842881eb0/4898f912-34a7-4d91-8cf8-f79b03da20e4/30sanitationartist-03-superJumbo+Large.jpeg</image:loc>
      <image:title>Blog - JUNE NEWSLETTER | Queer Activism is our Money Story - 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>
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  </url>
  <url>
    <loc>https://www.modernistuniversity.com/blog/2022/what-you-need-to-know</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-10-01</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5a983e464611a0d842881eb0/e32999a6-ddb5-4ace-baf4-e28ddb0e9ded/Artboard+1.png</image:loc>
      <image:title>Blog - What You Need To Know About The Current Market - 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>
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  <url>
    <loc>https://www.modernistuniversity.com/blog/2022/sailing-with-the-tides</loc>
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    <priority>0.5</priority>
    <lastmod>2024-10-01</lastmod>
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      <image:title>Blog - Sailing With The Tides - Make it stand out</image:title>
      <image:caption>To pair with our sailing metaphors, may we recommend the smooth jams of one of Modernist's favorite Yacht Rock playlists? Or use this handy guide to build your own and share it with us!</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5a983e464611a0d842881eb0/1611096130773-UY9AW0BQTMLG2E9H0GRB/MODERNIST+icons+r21-03.png</image:loc>
      <image:title>Blog - Sailing With The Tides - 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>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5a983e464611a0d842881eb0/1621284793109-VDSW9CTQVKLUY89IQ8KC/Modernist+Cycle+Digital.png</image:loc>
      <image:title>Blog - Sailing With The Tides - Want To Work With Us?</image:title>
      <image:caption>Learn more about Modernist and how we support our clients.</image:caption>
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  </url>
  <url>
    <loc>https://www.modernistuniversity.com/blog/2022/oregon-sanctuary-for-lgtqia-businesses</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-10-01</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5a983e464611a0d842881eb0/d6ca0558-58e8-4364-a1e5-a8a3c0bbe28b/Screen+Shot+2022-06-21+at+10.03.26+AM.png</image:loc>
      <image:title>Blog - PORTLAND BUSINESS JOURNAL: LGBTQIA+ owned businesses say Oregon could be sanctuary from national assault - 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>
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  <url>
    <loc>https://www.modernistuniversity.com/blog/2022/research-brief-markets-in-2022</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-10-01</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5a983e464611a0d842881eb0/ad507c39-98b4-4923-a8b0-136b069682f3/Screen+Shot+2022-06-06+at+4.32.05+PM.png</image:loc>
      <image:title>Blog - Research Brief: Markets in 2022 - 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>
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      <image:title>Blog - Research Brief: Markets in 2022 - 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>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5a983e464611a0d842881eb0/59db5280-509e-42e6-bffe-5f9a554ef794/Screen+Shot+2022-06-06+at+4.37.22+PM.png</image:loc>
      <image:title>Blog - Research Brief: Markets in 2022 - 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>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5a983e464611a0d842881eb0/1621284793109-VDSW9CTQVKLUY89IQ8KC/Modernist+Cycle+Digital.png</image:loc>
      <image:title>Blog - Research Brief: Markets in 2022 - Want To Work With Us?</image:title>
      <image:caption>Learn more about Modernist and how we support our clients.</image:caption>
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  </url>
  <url>
    <loc>https://www.modernistuniversity.com/blog/2022/may-newsletter</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-10-01</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5a983e464611a0d842881eb0/75e2e819-70a9-4426-b4e8-a53ba12398a4/Digital+Mural+Assets_MAY.png</image:loc>
      <image:title>Blog - MAY NEWSLETTER | Less Urgency, More Joy - 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>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5a983e464611a0d842881eb0/58c52f2f-676f-4416-bd01-92ad8bb5b641/The+Rewarding+Distribution+of+US+Stock+Market+Returns.png</image:loc>
      <image:title>Blog - MAY NEWSLETTER | Less Urgency, More Joy - 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/v1/5a983e464611a0d842881eb0/aa4d5002-740f-4a92-b22a-57b8f585e307/Jesse_Zhang_On_Being_Agustin_Fuentes_FINAL_RGB-768x512.jpg</image:loc>
      <image:title>Blog - MAY NEWSLETTER | Less Urgency, More Joy - Make it stand out</image:title>
      <image:caption>Client Experience Associate and Solar Advocate Alejandra Gonzales</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5a983e464611a0d842881eb0/1c7b7d0f-2281-4a5e-b607-5ec9a0b0a254/280522945_2195199860629870_410938900362677258_n.jpg</image:loc>
      <image:title>Blog - MAY NEWSLETTER | Less Urgency, More Joy - Make it stand out</image:title>
      <image:caption>From our 2022 Modernist Calendar: A mural by Open Eye Art in collaboration with Color Outside The Lines, located at SW 4th &amp; Alder here in Portland. Swing by Barista when you’re in the neighborhood!</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5a983e464611a0d842881eb0/1654036158927-XUNB60N503LTQ8UO3IOF/Deepening-Democracy-Ampled-Katie-Kaplan.jpg</image:loc>
      <image:title>Blog - MAY NEWSLETTER | Less Urgency, More Joy</image:title>
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      <image:title>Blog - MAY NEWSLETTER | Less Urgency, More Joy</image:title>
    </image:image>
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  <url>
    <loc>https://www.modernistuniversity.com/blog/2022/our-advice-stick-to-the-plan-despite-volatility</loc>
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    <lastmod>2024-10-01</lastmod>
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      <image:title>Blog - Our Advice: Stick To The Plan Despite Volatility - Make it stand out</image:title>
      <image:caption>Click to download a PDF!</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5a983e464611a0d842881eb0/22b88b27-f3a0-4fb5-ba7f-e6064e041439/Screen+Shot+2021-12-15+at+2.16.35+PM.png</image:loc>
      <image:title>Blog - Our Advice: Stick To The Plan Despite Volatility - 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>
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    <loc>https://www.modernistuniversity.com/blog/2022/april-newsletter</loc>
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    <lastmod>2024-10-01</lastmod>
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      <image:title>Blog - APRIL NEWSLETTER | How Could We Invest in a 1000 Year Future? - Make it stand out</image:title>
      <image:caption>Client Experience Associate and Solar Advocate Alejandra Gonzales</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Blog - APRIL NEWSLETTER | How Could We Invest in a 1000 Year Future? - Make it stand out</image:title>
      <image:caption>From our 2022 Modernist Calendar: A mural by Open Eye Art in collaboration with Color Outside The Lines, located at SW 4th &amp; Alder here in Portland. Swing by Barista when you’re in the neighborhood!</image:caption>
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      <image:title>Blog - APRIL NEWSLETTER | How Could We Invest in a 1000 Year Future? - Make it stand out</image:title>
      <image:caption>As EGC says: ongoing support creates sustainability for orgs!</image:caption>
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  <url>
    <loc>https://www.modernistuniversity.com/blog/2022/what-is-esg-investing-pt-1</loc>
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    <priority>0.5</priority>
    <lastmod>2024-10-01</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5a983e464611a0d842881eb0/bcfb2411-89e9-4635-a1d5-3e38255b742b/Modernist+Financial+What+Is+ESG+Investing+Image+1.png</image:loc>
      <image:title>Blog - INVESTMENT INSIGHTS PART I: What Is ESG Investing? - Make it stand out</image:title>
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  <url>
    <loc>https://www.modernistuniversity.com/blog/2022/q1-in-perspective</loc>
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    <lastmod>2024-10-01</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5a983e464611a0d842881eb0/3c23d2e1-96ad-4da3-b766-40e911e4f37a/Screen+Shot+2022-04-11+at+11.19.17+AM.png</image:loc>
      <image:title>Blog - FROM OUR INVESTMENT COMMITTEE: Q1 2022 in Perspective</image:title>
      <image:caption>Source: Morningstar Direct April 2021. Market segment (Index representation) as follows: U.S. Large-Cap Stocks (S&amp;P 500 Index), U.S. Value Stocks (Russell 1000 Value Index), U.S. Small-Cap Stocks (Russell 2000 Index), U.S. REIT Stocks (Dow Jones U.S. Select REIT Index), International Value Stocks (MSCI World Ex USA Value Index (net div.)), International Small-Cap Stocks (MSCI World Ex USA Small Index (net div.)), Emerging Markets Value Stocks (MSCI Emerging Markets Value Index (net div)), U.S. Short-Term Bonds (ICE BofA 1-3Y US Corp&amp;Govt TR), Global Bonds (FTSE WGBI 1-5 Yr Hdg USD).</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5a983e464611a0d842881eb0/807351ff-50c9-4f31-a5ff-284cf719e96f/Screen+Shot+2022-04-11+at+11.19.28+AM.png</image:loc>
      <image:title>Blog - FROM OUR INVESTMENT COMMITTEE: Q1 2022 in Perspective</image:title>
      <image:caption>Source: Morningstar Direct April 2022. U.S. markets represented by respective Russell indexes for each category (Large: Russell 1000, Value, and Growth, Mid: Russell Mid Cap, Value, and Growth, Small: Russell 2000, Value, and Growth).</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5a983e464611a0d842881eb0/1618f924-2310-4c8f-a453-8cb8305a00d9/Screen+Shot+2022-04-11+at+11.19.35+AM.png</image:loc>
      <image:title>Blog - FROM OUR INVESTMENT COMMITTEE: Q1 2022 in Perspective</image:title>
      <image:caption>Source: Morningstar Direct April 2022. International markets represented by respective MSCI World EX USA index series (Large: MSCI World EX USA Large, Value, and Growth, Mid: MSCI World Ex USA Mid, Value, and Growth, Small: MSCI World Ex USA Small, Value, and Growth).</image:caption>
    </image:image>
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      <image:title>Blog - FROM OUR INVESTMENT COMMITTEE: Q1 2022 in Perspective - 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>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5a983e464611a0d842881eb0/1621284793109-VDSW9CTQVKLUY89IQ8KC/Modernist+Cycle+Digital.png</image:loc>
      <image:title>Blog - FROM OUR INVESTMENT COMMITTEE: Q1 2022 in Perspective - Want To Work With Us?</image:title>
      <image:caption>Learn more about Modernist and how we support our clients.</image:caption>
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  <url>
    <loc>https://www.modernistuniversity.com/blog/2022/march-newsletter</loc>
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    <lastmod>2024-10-01</lastmod>
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      <image:title>Blog - MARCH NEWSLETTER | A Call for Ease This Spring - Make it stand out</image:title>
      <image:caption>Download a PDF here!</image:caption>
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      <image:title>Blog - MARCH NEWSLETTER | A Call for Ease This Spring - Make it stand out</image:title>
      <image:caption>Meet the Team!</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5a983e464611a0d842881eb0/5421f0ea-a8dc-4f2b-adb1-7ea503a650e5/Ashley+Book+Launch+Post-01.png</image:loc>
      <image:title>Blog - MARCH NEWSLETTER | A Call for Ease This Spring - 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>
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      <image:title>Blog - MARCH NEWSLETTER | A Call for Ease This Spring - 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>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5a983e464611a0d842881eb0/66062d28-33fc-468c-aadf-bbcda0e83cfb/273818979_1569653980057774_6074330355383347004_n.jpg</image:loc>
      <image:title>Blog - MARCH NEWSLETTER | A Call for Ease This Spring - 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/v1/5a983e464611a0d842881eb0/76fa8ffb-4b1a-430d-be0f-39ddc55ddf19/Fund+Your+Heroes+With+Your+Time-01.png</image:loc>
      <image:title>Blog - MARCH NEWSLETTER | A Call for Ease This Spring - Make it stand out</image:title>
      <image:caption>As EGC says: ongoing support creates sustainability for orgs!</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5a983e464611a0d842881eb0/a89dcb6e-9aa7-4ca4-bae4-072cd80a02e4/DTH_630x580-453edab29c.jpeg</image:loc>
      <image:title>Blog - MARCH NEWSLETTER | A Call for Ease This Spring - Make it stand out</image:title>
      <image:caption>ADVANTAGES OF BEING A WOMAN ARTIST (ITALIAN0) Cheap Street Art Fair, installing some of their posters on the streets of Bologna, Italy. © 2017 Guerrilla Girls</image:caption>
    </image:image>
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  <url>
    <loc>https://www.modernistuniversity.com/blog/2022/why-solar</loc>
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    <priority>0.5</priority>
    <lastmod>2024-10-01</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5a983e464611a0d842881eb0/cff5700e-8070-43cd-aecc-ca4fc7d6c8ad/220322+AG+Solar+2.jpg</image:loc>
      <image:title>Blog - Considering Residential Solar for Your Home - Make it stand out</image:title>
      <image:caption>Client Experience Associate Alejandra Gonzales has solar panels installed at her home, and is a super solar advocate! She wrote this blog post to encourage others to join the movement away from fossil fuel.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5a983e464611a0d842881eb0/ac9abffc-496c-4b94-95d0-dc6022386fb9/220323+AG+Solar+1.jpg</image:loc>
      <image:title>Blog - Considering Residential Solar for Your Home - 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>
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    <loc>https://www.modernistuniversity.com/blog/2022/february-newsletter</loc>
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    <lastmod>2024-10-01</lastmod>
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      <image:title>Blog - FEBRUARY NEWSLETTER | (Re)Defining Enough Despite the Financial Noise - 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>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5a983e464611a0d842881eb0/506f6b25-66f0-4b7c-99c8-c297f925ba4a/Modernist+Financial+U.S.+Market+Graph-01.png</image:loc>
      <image:title>Blog - FEBRUARY NEWSLETTER | (Re)Defining Enough Despite the Financial Noise - Make it stand out</image:title>
      <image:caption>Download a PDF here!</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5a983e464611a0d842881eb0/29220947-df24-4032-881f-03a1c3c7382c/Accountants+of+Color+Promo+Image</image:loc>
      <image:title>Blog - FEBRUARY NEWSLETTER | (Re)Defining Enough Despite the Financial Noise - Make it stand out</image:title>
      <image:caption>Meet the Team!</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5a983e464611a0d842881eb0/94fb4ff9-b3f2-4ec5-9b32-d16952266503/So+Money+Quotes-04.png</image:loc>
      <image:title>Blog - FEBRUARY NEWSLETTER | (Re)Defining Enough Despite the Financial Noise - 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>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5a983e464611a0d842881eb0/30d39647-afde-451d-8394-9815f7abc59f/OCF+Stat-01.png</image:loc>
      <image:title>Blog - FEBRUARY NEWSLETTER | (Re)Defining Enough Despite the Financial Noise - Make it stand out</image:title>
      <image:caption>As EGC says: ongoing support creates sustainability for orgs!</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5a983e464611a0d842881eb0/caf74a59-a1f2-491b-91ee-ad08d63346d5/71008160-768x513.jpg</image:loc>
      <image:title>Blog - FEBRUARY NEWSLETTER | (Re)Defining Enough Despite the Financial Noise - Make it stand out</image:title>
      <image:caption>ADVANTAGES OF BEING A WOMAN ARTIST (ITALIAN0) Cheap Street Art Fair, installing some of their posters on the streets of Bologna, Italy. © 2017 Guerrilla Girls</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.modernistuniversity.com/blog/2022/market-in-times-of-crisis</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-10-01</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5a983e464611a0d842881eb0/dff74c8f-9409-4334-b1bd-799375a00129/U.S.+Market+Graph-01.png</image:loc>
      <image:title>Blog - A Look at the Market In Relation To Crisis - 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>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5a983e464611a0d842881eb0/1621284921325-W1OIOP79X1AIPZWVHOA9/Modernist+Cycle+Digital.png</image:loc>
      <image:title>Blog - A Look at the Market In Relation To Crisis - Want To Work With Us?</image:title>
      <image:caption>Learn more about Modernist and how we support our clients.</image:caption>
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  <url>
    <loc>https://www.modernistuniversity.com/blog/2022/january-newsletter</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-10-01</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5a983e464611a0d842881eb0/d97f9771-55df-4f64-875b-47de4cd7b571/Screen+Shot+2022-01-26+at+2.29.14+PM.png</image:loc>
      <image:title>Blog - JANUARY NEWSLETTER | Let’s Take On The Year Ahead - Make it stand out</image:title>
      <image:caption>Download a PDF here!</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5a983e464611a0d842881eb0/6f288299-86b2-4124-b6c5-f5bad4434b77/6baccd02-3d19-d1c3-f20a-12265c3d2bc3.png</image:loc>
      <image:title>Blog - JANUARY NEWSLETTER | Let’s Take On The Year Ahead - Make it stand out</image:title>
      <image:caption>Meet the Team!</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5a983e464611a0d842881eb0/708097f7-e47d-4ec0-9a36-973bb8f02769/OSU+Keynote+Promo-01+WEB.png</image:loc>
      <image:title>Blog - JANUARY NEWSLETTER | Let’s Take On The Year Ahead - 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/v1/5a983e464611a0d842881eb0/a32a2036-7cf1-47e1-ba0d-e4d9b6734be1/Mural+Images_EMAIL+2.png</image:loc>
      <image:title>Blog - JANUARY NEWSLETTER | Let’s Take On The Year Ahead - Make it stand out</image:title>
      <image:caption>As EGC says: ongoing support creates sustainability for orgs!</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5a983e464611a0d842881eb0/c86f5d3d-530a-4db9-b9b0-7890fac18842/Mural+Images_EMAIL+1.png</image:loc>
      <image:title>Blog - JANUARY NEWSLETTER | Let’s Take On The Year Ahead - 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>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5a983e464611a0d842881eb0/5f7e68dd-7767-4bcd-a788-ba634a73d826/Andre-01.png</image:loc>
      <image:title>Blog - JANUARY NEWSLETTER | Let’s Take On The Year Ahead - Make it stand out</image:title>
      <image:caption>ADVANTAGES OF BEING A WOMAN ARTIST (ITALIAN0) Cheap Street Art Fair, installing some of their posters on the streets of Bologna, Italy. © 2017 Guerrilla Girls</image:caption>
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  <url>
    <loc>https://www.modernistuniversity.com/blog/2021/new-year-new-policy</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-10-01</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5a983e464611a0d842881eb0/1611096130773-UY9AW0BQTMLG2E9H0GRB/MODERNIST+icons+r21-03.png</image:loc>
      <image:title>Blog - New Year, New Policy: Higher Rates Likely Ahead - Make it stand out</image:title>
      <image:caption>Returns over the last 30 years for a hypothetical investor who started with $10,000 invested in U.S. stocks, and then only invested again immediately before a market downturn of 10% or more. Over this time, the U.S. market returned 10.2% per year, and the investor with the worst timing earned 9.3% per year. (3)</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5a983e464611a0d842881eb0/440e5297-3ac0-4a84-a554-91bf6b5a0f56/Screen+Shot+2022-01-12+at+3.16.40+PM.png</image:loc>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Learn more about Modernist and how we support our clients.</image:caption>
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  <url>
    <loc>https://www.modernistuniversity.com/blog/2022/q4-in-perspective</loc>
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    <priority>0.5</priority>
    <lastmod>2024-10-01</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5a983e464611a0d842881eb0/c90d6908-f1ed-4e9e-88a4-27036358bf33/Modernist+Investment+Committee+Graph+Q4.png</image:loc>
      <image:title>Blog - FROM OUR INVESTMENT COMMITTEE: Q4 2021 in Perspective</image:title>
      <image:caption>Source: Morningstar Direct April 2021. Market segment (Index representation) as follows: U.S. Large-Cap Stocks (S&amp;P 500 Index), U.S. Value Stocks (Russell 1000 Value Index), U.S. Small-Cap Stocks (Russell 2000 Index), U.S. REIT Stocks (Dow Jones U.S. Select REIT Index), International Value Stocks (MSCI World Ex USA Value Index (net div.)), International Small-Cap Stocks (MSCI World Ex USA Small Index (net div.)), Emerging Markets Value Stocks (MSCI Emerging Markets Value Index (net div)), U.S. Short-Term Bonds (ICE BofA 1-3Y US Corp&amp;Govt TR), Global Bonds (FTSE WGBI 1-5 Yr Hdg USD).</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5a983e464611a0d842881eb0/4f7e7931-1fef-4b57-8190-5617fd373461/Screen+Shot+2022-01-26+at+2.29.19+PM.png</image:loc>
      <image:title>Blog - FROM OUR INVESTMENT COMMITTEE: Q4 2021 in Perspective</image:title>
      <image:caption>Source: Morningstar Direct January 2022. U.S. markets represented by respective Russell indexes for each category (Large: Russell 1000, Value, and Growth, Mid: Russell Mid Cap, Value, and Growth, Small: Russell 2000, Value, and Growth).</image:caption>
    </image:image>
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      <image:title>Blog - FROM OUR INVESTMENT COMMITTEE: Q4 2021 in Perspective</image:title>
      <image:caption>Source: Morningstar Direct October 2021. International markets represented by respective MSCI World EX USA index series (Large: MSCI World EX USA Large, Value, and Growth, Mid: MSCI World Ex USA Mid, Value, and Growth, Small: MSCI World Ex USA Small, Value, and Growth).</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5a983e464611a0d842881eb0/e2cf1892-fe86-4b67-9802-1422a652ce82/Screen+Shot+2022-01-26+at+2.29.31+PM.png</image:loc>
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      <image:caption>Learn more about Modernist and how we support our clients.</image:caption>
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    <loc>https://www.modernistuniversity.com/blog/2021/fear-of-heights-dont-panic</loc>
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    <lastmod>2024-10-01</lastmod>
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      <image:title>Blog - Fear of (Market) Heights? Don’t Panic - Make it stand out</image:title>
      <image:caption>Returns over the last 30 years for a hypothetical investor who started with $10,000 invested in U.S. stocks, and then only invested again immediately before a market downturn of 10% or more. Over this time, the U.S. market returned 10.2% per year, and the investor with the worst timing earned 9.3% per year. (3)</image:caption>
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    <loc>https://www.modernistuniversity.com/blog/2021/december-newsletter</loc>
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    <lastmod>2024-10-01</lastmod>
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      <image:title>Blog - DECEMBER NEWSLETTER | Meet The New Faces of Modernist - Make it stand out</image:title>
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      <image:caption>As EGC says: ongoing support creates sustainability for orgs!</image:caption>
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      <image:title>Blog - DECEMBER NEWSLETTER | Meet The New Faces of Modernist - Make it stand out</image:title>
      <image:caption>ADVANTAGES OF BEING A WOMAN ARTIST (ITALIAN0) Cheap Street Art Fair, installing some of their posters on the streets of Bologna, Italy. © 2017 Guerrilla Girls</image:caption>
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      <image:title>Blog - DECEMBER NEWSLETTER | Meet The New Faces of Modernist - Make it stand out</image:title>
      <image:caption>"WHITECHAPEL STREET: In 2016 we re-examined a 1986 poster (It’s Even Worse in Europe) to find out how things were going for women and artists of color in Europe. We sent almost 400 questionnaires to European museums and kunsthalles and let them explain the situation in their own words. We got 100 replies and made an exhibition at the Whitechapel Gallery in London. The 300 who ignored our request? We put their names on the floor where visitors walked all over them." © Guerrilla Girls</image:caption>
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    <loc>https://www.modernistuniversity.com/blog/2021/charitable-giving-strategies</loc>
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    <loc>https://www.modernistuniversity.com/blog/2021/november-newsletter</loc>
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    <lastmod>2024-10-01</lastmod>
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      <image:title>Blog - NOVEMBER NEWSLETTER | On Gratitude &amp;amp; Generosity - Make it stand out</image:title>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <loc>https://www.modernistuniversity.com/blog/2021/q3-in-perspective</loc>
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      <image:title>Blog - FROM OUR INVESTMENT COMMITTEE: Q3 2021 in Perspective</image:title>
      <image:caption>Source: Morningstar Direct April 2021. Market segment (Index representation) as follows: U.S. Large-Cap Stocks (S&amp;P 500 Index), U.S. Value Stocks (Russell 1000 Value Index), U.S. Small-Cap Stocks (Russell 2000 Index), U.S. REIT Stocks (Dow Jones U.S. Select REIT Index), International Value Stocks (MSCI World Ex USA Value Index (net div.)), International Small-Cap Stocks (MSCI World Ex USA Small Index (net div.)), Emerging Markets Value Stocks (MSCI Emerging Markets Value Index (net div)), U.S. Short-Term Bonds (ICE BofA 1-3Y US Corp&amp;Govt TR), Global Bonds (FTSE WGBI 1-5 Yr Hdg USD).</image:caption>
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      <image:title>Blog - FROM OUR INVESTMENT COMMITTEE: Q3 2021 in Perspective</image:title>
      <image:caption>Source: Morningstar Direct October 2021. U.S. markets represented by respective Russell indexes for each category (Large: Russell 1000, Value, and Growth, Mid: Russell Mid Cap, Value, and Growth, Small: Russell 2000, Value, and Growth).</image:caption>
    </image:image>
    <image:image>
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      <image:title>Blog - FROM OUR INVESTMENT COMMITTEE: Q3 2021 in Perspective</image:title>
      <image:caption>Source: Morningstar Direct October 2021. International markets represented by respective MSCI World EX USA index series (Large: MSCI World EX USA Large, Value, and Growth, Mid: MSCI World Ex USA Mid, Value, and Growth, Small: MSCI World Ex USA Small, Value, and Growth).</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <loc>https://www.modernistuniversity.com/blog/2021/october-newsletter</loc>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Blog - JULY NEWSLETTER: Happy 6th Birthday To 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>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-10-01</lastmod>
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      <image:title>Blog - FROM OUR INVESTMENT COMMITTEE: Q2 2021 in Perspective</image:title>
      <image:caption>Source: Morningstar Direct April 2021. Market segment (Index representation) as follows: U.S. Large-Cap Stocks (S&amp;P 500 Index), U.S. Value Stocks (Russell 1000 Value Index), U.S. Small-Cap Stocks (Russell 2000 Index), U.S. REIT Stocks (Dow Jones U.S. Select REIT Index), International Value Stocks (MSCI World Ex USA Value Index (net div.)), International Small-Cap Stocks (MSCI World Ex USA Small Index (net div.)), Emerging Markets Value Stocks (MSCI Emerging Markets Value Index (net div)), U.S. Short-Term Bonds (ICE BofA 1-3Y US Corp&amp;Govt TR), Global Bonds (FTSE WGBI 1-5 Yr Hdg USD).</image:caption>
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      <image:title>Blog - FROM OUR INVESTMENT COMMITTEE: Q2 2021 in Perspective</image:title>
      <image:caption>Source: Morningstar Direct July 2021. U.S. markets represented by respective Russell indexes for each category (Large: Russell 1000, Value, and Growth; Mid: Russell Mid Cap, Value, and Growth; Small: Russell 2000, Value, and Growth).</image:caption>
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      <image:title>Blog - FROM OUR INVESTMENT COMMITTEE: Q2 2021 in Perspective</image:title>
      <image:caption>Source: Morningstar Direct July 2021. International markets represented by respective MSCI World EX USA index series (Large: MSCI World EX USA Large, Value, and Growth; Mid: MSCI World Ex USA Mid, Value, and Growth; Small: MSCI World Ex USA Small, Value, and Growth).</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Learn more about Modernist and how we support our clients.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <changefreq>monthly</changefreq>
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      <image:title>Blog - FROM OUR INVESTMENT COMMITTEE: Q1 2021 in Perspective</image:title>
      <image:caption>Source: Morningstar Direct April 2021. Market segment (Index representation) as follows: U.S. Large-Cap Stocks (S&amp;P 500 Index), U.S. Value Stocks (Russell 1000 Value Index), U.S. Small-Cap Stocks (Russell 2000 Index), U.S. REIT Stocks (Dow Jones U.S. Select REIT Index), International Value Stocks (MSCI World Ex USA Value Index (net div.)), International Small-Cap Stocks (MSCI World Ex USA Small Index (net div.)), Emerging Markets Value Stocks (MSCI Emerging Markets Value Index (net div)), U.S. Short-Term Bonds (ICE BofA 1-3Y US Corp&amp;Govt TR), Global Bonds (FTSE WGBI 1-5 Yr Hdg USD).</image:caption>
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      <image:title>Blog - FROM OUR INVESTMENT COMMITTEE: Q1 2021 in Perspective</image:title>
      <image:caption>Source: Morningstar Direct April 2021. U.S. markets represented by respective Russell indexes for each category (Large: Russell 1000, Value, and Growth; Mid: Russell Mid Cap, Value, and Growth; Small: Russell 2000, Value, and Growth).</image:caption>
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      <image:title>Blog - FROM OUR INVESTMENT COMMITTEE: Q1 2021 in Perspective</image:title>
      <image:caption>Source: Morningstar Direct April 2021. International markets represented by respective MSCI World EX USA index series (Large: MSCI World EX USA Large, Value, and Growth; Mid: MSCI World Ex USA Mid, Value, and Growth; Small: MSCI World Ex USA Small, Value, and Growth).</image:caption>
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      <image:title>Blog - MARCH NEWSLETTER: Why It Matters Where You Bank (And What To Do About It)</image:title>
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      <image:title>Blog - MARCH NEWSLETTER: Why It Matters Where You Bank (And What To Do About It)</image:title>
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  </url>
  <url>
    <loc>https://www.modernistuniversity.com/blog/2021/portland-business-journal-dont-count-portland-out</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-10-01</lastmod>
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  <url>
    <loc>https://www.modernistuniversity.com/blog/2021/february-client-letter</loc>
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    <lastmod>2024-10-01</lastmod>
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      <image:title>Blog - February 2021: What actually happened with GameStop?</image:title>
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      <image:title>Blog - February 2021: What actually happened with GameStop? - 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://www.modernistuniversity.com/blog/2021/january-2021-newsletter</loc>
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    <lastmod>2024-10-01</lastmod>
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      <image:title>Blog - JANUARY NEWSLETTER: Our Bond with Bonds, Octavia Butler, and Understanding Whiteness</image:title>
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      <image:title>Blog - JANUARY NEWSLETTER: Our Bond with Bonds, Octavia Butler, and Understanding Whiteness</image:title>
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      <image:title>Blog - JANUARY NEWSLETTER: Our Bond with Bonds, Octavia Butler, and Understanding Whiteness</image:title>
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  <url>
    <loc>https://www.modernistuniversity.com/blog/2021/our-bond-with-bonds</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-10-01</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5a983e464611a0d842881eb0/1611096130773-UY9AW0BQTMLG2E9H0GRB/MODERNIST+icons+r21-03.png</image:loc>
      <image:title>Blog - Our Bond with Bonds (Even in a Low-Interest-Rate World)</image:title>
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  <url>
    <loc>https://www.modernistuniversity.com/blog/2021/january-client-letter</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-10-01</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5a983e464611a0d842881eb0/1611866426601-77WXOQT10Y0G5HTSLU19/Note+from+GLH+Header+for+Blog-03.png</image:loc>
      <image:title>Blog - January 2021: Shaping Portfolios &amp;amp; Generosity</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5a983e464611a0d842881eb0/5658bfec-b0b6-4ce9-a72d-f1da22d55473/Screen+Shot+2021-10-18+at+1.05.46+PM.png</image:loc>
      <image:title>Blog - January 2021: Shaping Portfolios &amp;amp; Generosity - 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://www.modernistuniversity.com/blog/2021/q4-in-perspective</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-10-01</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5a983e464611a0d842881eb0/1611095372034-JY0PU948YEW0Y64W0TQ5/Screen+Shot+2021-01-19+at+2.28.31+PM.png</image:loc>
      <image:title>Blog - FROM OUR INVESTMENT COMMITTEE: Q4 2020 in Perspective</image:title>
      <image:caption>Source: Morningstar Direct January 2021. Market segment (Index representation) as follows: U.S. Large-Cap Stocks (S&amp;P 500 Index), U.S. Value Stocks (Russell 1000 Value Index), U.S. Small-Cap Stocks (Russell 2000 Index), U.S. REIT Stocks (Dow Jones U.S. Select REIT Index), International Value Stocks (MSCI World Ex USA Value Index (net div.)), International Small-Cap Stocks (MSCI World Ex USA Small Index (net div.)), Emerging Markets Value Stocks (MSCI Emerging Markets Value Index (net div)), U.S. Short-Term Bonds (ICE BofA 1-3Y US Corp&amp;Govt TR), Global Bonds (FTSE WGBI 1-5 Yr Hdg USD).</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5a983e464611a0d842881eb0/1611095476650-8UYTJK6QYURPQWU8FF4P/Screen+Shot+2021-01-19+at+2.30.59+PM.png</image:loc>
      <image:title>Blog - FROM OUR INVESTMENT COMMITTEE: Q4 2020 in Perspective</image:title>
      <image:caption>Source: Morningstar Direct January 2021. U.S. markets represented by respective Russell indexes for each category (Large: Russell 1000, Value, and Growth; Mid: Russell Mid Cap, Value, and Growth; Small: Russell 2000, Value, and Growth).</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5a983e464611a0d842881eb0/1611095554373-7TZHNYD5K0MASH442PFF/Screen+Shot+2021-01-19+at+2.31.50+PM.png</image:loc>
      <image:title>Blog - FROM OUR INVESTMENT COMMITTEE: Q4 2020 in Perspective</image:title>
      <image:caption>Source: Morningstar Direct January 2021. International markets represented by respective MSCI World EX USA index series (Large: MSCI World EX USA Large, Value, and Growth; Mid: MSCI World Ex USA Mid, Value, and Growth; Small: MSCI World Ex USA Small, Value, and Growth).</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5a983e464611a0d842881eb0/f91247b0-eb7c-4bab-8b00-4a128141332d/Screen+Shot+2021-10-18+at+1.08.28+PM.png</image:loc>
      <image:title>Blog - FROM OUR INVESTMENT COMMITTEE: Q4 2020 in Perspective - 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://www.modernistuniversity.com/blog/2020/9/16/december-2020-newsletter</loc>
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    <priority>0.5</priority>
    <lastmod>2024-10-01</lastmod>
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      <image:title>Blog - DECEMBER 2020 NEWSLETTER: Gratitude, ESG Investments, and a Buddhist Monk covers the Beatles</image:title>
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      <image:title>Blog - DECEMBER 2020 NEWSLETTER: Gratitude, ESG Investments, and a Buddhist Monk covers the Beatles</image:title>
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      <image:title>Blog - DECEMBER 2020 NEWSLETTER: Gratitude, ESG Investments, and a Buddhist Monk covers the Beatles</image:title>
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  <url>
    <loc>https://www.modernistuniversity.com/blog/2021/what-you-need-to-know-about-stimulus-2</loc>
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    <lastmod>2024-10-01</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5a983e464611a0d842881eb0/1611862942285-CFR80K4FJ91Q3CYEFENM/allef-vinicius-fJTqyZMOh18-unsplash.jpg</image:loc>
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  <url>
    <loc>https://www.modernistuniversity.com/blog/2020/9/16/october-2020-newsletter-d87gl</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-10-01</lastmod>
    <image:image>
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      <image:title>Blog - NOVEMBER 2020 NEWSLETTER: Bill T. Jones reads Ross Gay</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5a983e464611a0d842881eb0/1606780848413-1UMRP496HPBEKS3EQ95E/Screen+Shot+2020-10-23+at+2.29.17+PM.png</image:loc>
      <image:title>Blog - NOVEMBER 2020 NEWSLETTER: Bill T. Jones reads Ross Gay</image:title>
      <image:caption>A quick summary of Q3 market returns across asset classes</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5a983e464611a0d842881eb0/1606842284797-PIE4VS18IGCNFVNEP6O4/20201009-land-loss-macarthur-3x2.jpg</image:loc>
      <image:title>Blog - NOVEMBER 2020 NEWSLETTER: Bill T. Jones reads Ross Gay</image:title>
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      <image:title>Blog - NOVEMBER 2020 NEWSLETTER: Bill T. Jones reads Ross Gay</image:title>
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  </url>
  <url>
    <loc>https://www.modernistuniversity.com/blog/2020/4/20/from-our-investment-committee-q1-2020-in-perspective-6sxx8-hwgte</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-10-01</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5a983e464611a0d842881eb0/1603488912955-4RKF3OQZBAK3YXJVIC5V/MF_icons+r031.png</image:loc>
      <image:title>Blog - FROM OUR INVESTMENT COMMITTEE: Q3 2020 in Perspective</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5a983e464611a0d842881eb0/1603488614795-JF6JRXNJUJYO53W37YDW/Screen+Shot+2020-10-23+at+2.29.17+PM.png</image:loc>
      <image:title>Blog - FROM OUR INVESTMENT COMMITTEE: Q3 2020 in Perspective</image:title>
      <image:caption>Source: Morningstar Direct 2020. Market segment (index representation) as follows: U.S. Large-Cap Stocks (S&amp;P 500 Index), U.S. Value Stocks (Russell 1000 Value Index), U.S. Small-Cap Stocks (Russell 2000 Index), U.S. REIT Stocks (Dow Jones U.S. Select REIT Index), International Value Stocks (MSCI World Ex USA Value Index (net div.)), International Small-Cap Stocks (MSCI World Ex USA Small Index (net div.)), Emerging Markets Value Stocks (MSCI Emerging Markets Value Index (net div.)), U.S. Short-Term Bonds (BofA ML Corp&amp;Govt 1-3 Yr TR), Global Bonds (FTSE WGBI 1-5 Yr Hdg USD).</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5a983e464611a0d842881eb0/1603488673736-TIIO3ECUWSN1TVTQ8DWP/Screen+Shot+2020-10-23+at+2.30.46+PM.png</image:loc>
      <image:title>Blog - FROM OUR INVESTMENT COMMITTEE: Q3 2020 in Perspective</image:title>
      <image:caption>Source: Morningstar Direct 2020. U.S. markets represented by respective Russell indexes for each category (Large: Russell 1000, Value, and Growth; Mid: Russell Mid Cap, Value, and Growth; Small: Russell 2000, Value, and Growth).</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5a983e464611a0d842881eb0/1603488740320-6IN1QPXCCHI9623T1GD7/Screen+Shot+2020-10-23+at+2.32.01+PM.png</image:loc>
      <image:title>Blog - FROM OUR INVESTMENT COMMITTEE: Q3 2020 in Perspective</image:title>
      <image:caption>Source: Morningstar Direct 2020. International markets represented by respective MSCI World EX USA index series (Large: MSCI World EX USA Large, Value, and Growth; Mid: MSCI World Ex USA Mid, Value, and Growth; Small: MSCI World Ex USA Small, Value, and Growth).</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.modernistuniversity.com/blog/2020/9/16/october-2020-newsletter</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-10-01</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5a983e464611a0d842881eb0/1603303749284-ZYN47U6HDOICW76F2S1S/Investing%2BIs%2BEmotional.png</image:loc>
      <image:title>Blog - OCTOBER 2020: David Byrne + Rebecca Solnit + Jeremy Okai Davis Are Giving Us Hope</image:title>
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      <image:title>Blog - OCTOBER 2020: David Byrne + Rebecca Solnit + Jeremy Okai Davis Are Giving Us Hope</image:title>
      <image:caption>Photo by Jason Hill</image:caption>
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      <image:title>Blog - OCTOBER 2020: David Byrne + Rebecca Solnit + Jeremy Okai Davis Are Giving Us Hope</image:title>
      <image:caption>Sister District is working to end gerrymandering, build progressive power, and help defeat Trump — all by getting Democrats elected to state legislatures.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5a983e464611a0d842881eb0/1603304092232-443B6AP4W5ECJ8M603TH/1500x500.jpg</image:loc>
      <image:title>Blog - OCTOBER 2020: David Byrne + Rebecca Solnit + Jeremy Okai Davis Are Giving Us Hope</image:title>
      <image:caption>The Democratic Legislative Campaign Committee has a mission to elect local Democrats, retake state houses, and end right-wing gerrymandering across the country.</image:caption>
    </image:image>
    <image:image>
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      <image:title>Blog - OCTOBER 2020: David Byrne + Rebecca Solnit + Jeremy Okai Davis Are Giving Us Hope</image:title>
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    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-10-01</lastmod>
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    <lastmod>2024-10-01</lastmod>
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      <image:title>Blog - SEPTEMBER 2020 NEWSLETTER: VOTE: Kendrick Lamar on “How Much A Dollar Cost”</image:title>
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    <lastmod>2024-10-01</lastmod>
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    <lastmod>2024-10-01</lastmod>
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    <lastmod>2024-10-01</lastmod>
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      <image:title>Blog - FROM OUR INVESTMENT COMMITTEE: Q2 2020 in Perspective</image:title>
      <image:caption>Source: Morningstar Direct 2020. Market segment (index representation) as follows: U.S. Large-Cap Stocks (S&amp;P 500 Index), U.S. Value Stocks (Russell 1000 Value Index), U.S. Small-Cap Stocks (Russell 2000 Index), U.S. REIT Stocks (Dow Jones U.S. Select REIT Index), International Value Stocks (MSCI World Ex USA Value Index (net div.)), International Small-Cap Stocks (MSCI World Ex USA Small Index (net div.)), Emerging Markets Value Stocks (MSCI Emerging Markets Value Index (net div.)), U.S. Short-Term Bonds (BofA ML Corp&amp;Govt 1-3 Yr TR), Global Bonds (FTSE WGBI 1-5 Yr Hdg USD).</image:caption>
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      <image:caption>Source: Morningstar Direct 2020. U.S. markets represented by respective Russell indexes for each category (Large: Russell 1000, Value, and Growth; Mid: Russell Mid Cap, Value, and Growth; Small: Russell 2000, Value, and Growth).</image:caption>
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      <image:title>Blog - FROM OUR INVESTMENT COMMITTEE: Q2 2020 in Perspective</image:title>
      <image:caption>Source: Morningstar Direct 2020. International markets represented by respective MSCI World EX USA index series (Large: MSCI World EX USA Large, Value, and Growth; Mid: MSCI World Ex USA Mid, Value, and Growth; Small: MSCI World Ex USA Small, Value, and Growth).</image:caption>
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      <image:title>Blog - FROM OUR INVESTMENT COMMITTEE: Q1 2020 in Perspective</image:title>
      <image:caption>Source: Morningstar Direct 2020. Market segment (index representation) as follows: U.S. Large-Cap Stocks (S&amp;P 500 Index), U.S. Value Stocks (Russell 1000 Value Index), U.S. Small-Cap Stocks (Russell 2000 Index), U.S. REIT Stocks (Dow Jones U.S. Select REIT Index), International Value Stocks (MSCI World Ex USA Value Index (net div.)), International Small-Cap Stocks (MSCI World Ex USA Small Index (net div.)), Emerging Markets Value Stocks (MSCI Emerging Markets Value Index (net div.)), U.S. Short-Term Bonds (BofA ML Corp&amp;Govt 1-3 Yr TR), Global Bonds (FTSE WGBI 1-5 Yr Hdg USD).</image:caption>
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      <image:caption>Source: Morningstar Direct 2020. U.S. markets represented by respective Russell indexes for each category (Large: Russell 1000, Value, and Growth; Mid: Russell Mid Cap, Value, and Growth; Small: Russell 2000, Value, and Growth).</image:caption>
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      <image:caption>Source: Morningstar Direct 2020. International markets represented by respective MSCI World EX USA index series (Large: MSCI World EX USA Large, Value, and Growth; Mid: MSCI World Ex USA Mid, Value, and Growth; Small: MSCI World Ex USA Small, Value, and Growth).</image:caption>
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      <image:title>Blog - From Our Investment Committee | Q4 2019 in Perspective</image:title>
      <image:caption>Source: Morningstar 2020. Market segment (index representation) as follows: U.S. Large-Cap Stocks (S&amp;P 500 Index), U.S. Value Stocks (Russell 1000 Value Index), U.S. Small-Cap Stocks (Russell 2000 Index), U.S. REIT Stocks (Dow Jones U.S. Select REIT Index), International Value Stocks (MSCI World Ex USA Value Index (net div.)), International Small-Cap Stocks (MSCI World Ex USA Small Index (net div.)), Emerging Markets Value Stocks (MSCI Emerging Markets Value Index (net div.)), U.S. Short-Term Bonds (BofA ML Corp&amp;Govt 1-3 Yr TR), Global Bonds (FTSE WGBI 1-5 Yr Hdg USD).</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5a983e464611a0d842881eb0/1580863072580-VP1HV6OBLYPPZRSV9RHM/Screen+Shot+2020-02-04+at+4.35.56+PM.png</image:loc>
      <image:title>Blog - From Our Investment Committee | Q4 2019 in Perspective</image:title>
      <image:caption>Source: Morningstar Direct 2020. U.S. markets represented by respective Russell indexes for each category (Large: Russell 1000, Value, and Growth; Mid: Russell Mid Cap, Value, and Growth; Small: Russell 2000, Value, and Growth).</image:caption>
    </image:image>
    <image:image>
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      <image:title>Blog - From Our Investment Committee | Q4 2019 in Perspective</image:title>
      <image:caption>Source: Morningstar Direct 2020. International markets represented by respective MSCI World EX USA index series (Large: MSCI World EX USA Large, Value, and Growth; Mid: MSCI World Ex USA Mid, Value, and Growth; Small: MSCI World Ex USA Small, Value, and Growth).</image:caption>
    </image:image>
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    <lastmod>2024-10-01</lastmod>
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      <image:title>Blog - Modernist's 2019 Year-End Updates &amp;amp; Deadlines</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5a983e464611a0d842881eb0/1576015969856-1PNYV74NSYA2WDAH9MR7/1.jpg</image:loc>
      <image:title>Blog - Modernist's 2019 Year-End Updates &amp;amp; Deadlines</image:title>
    </image:image>
    <image:image>
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      <image:title>Blog - Modernist's 2019 Year-End Updates &amp;amp; Deadlines</image:title>
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  <url>
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    <lastmod>2024-10-01</lastmod>
    <image:image>
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      <image:title>Blog - From our Investment Committee | Q3 2019</image:title>
      <image:caption>MODERNIST’S ASSET CLASS INVESTING PORTFOLIOS ARE STRATEGICALLY INVESTED WITH A FOCUS ON LONG-TERM PERFORMANCE OBJECTIVES. PORTFOLIO ALLOCATIONS AND INVESTMENTS ARE NOT ADJUSTED IN RESPONSE TO MARKET NEWS OR ECONOMIC EVENTS; HOWEVER, OUR INVESTMENT COMMITTEE EVALUATES AND REPORTS ON MARKET AND ECONOMIC CONDITIONS TO PROVIDE OUR INVESTORS WITH PERSPECTIVE AND TO PUT PORTFOLIO PERFORMANCE IN PROPER CONTEXT.</image:caption>
    </image:image>
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      <image:title>Blog - From our Investment Committee | Q3 2019</image:title>
      <image:caption>Source: Morningstar 2019. Market segment (Index representation) as follows: U.S. Large-Cap Stocks (S&amp;P 500 Index), U.S. Value Stocks (Russell 1000 Value Index), U.S. Small-Cap Stocks (Russell 2000 Index), U.S. REIT Stocks (Dow Jones U.S. Select REIT Index), International Value Stocks (MSCI World Ex USA Value Index (net div.)), International Small-Cap Stocks (MSCI World Ex USA Small Index (net div.)), Emerging Markets Value Stocks (MSCI Emerging Markets Value Index (net div.)), U.S. Short-Term Bonds (BofA ML Corp&amp;Govt 1-3 Yr TR), Global Bonds (FTSE WGBI 1-5 Yr Hdg USD).</image:caption>
    </image:image>
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      <image:title>Blog - From our Investment Committee | Q3 2019</image:title>
      <image:caption>Source: Morningstar Direct 2019. U.S. markets represented by respective Russell indexes for each category (Large: Russell 1000, Value, and Growth; Mid: Russell Mid Cap, Value, and Growth; Small: Russell 2000, Value, and Growth).</image:caption>
    </image:image>
    <image:image>
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      <image:title>Blog - From our Investment Committee | Q3 2019</image:title>
      <image:caption>Source: Morningstar Direct 2019. International markets represented by respective MSCI World EX USA index series (Large: MSCI World EX USA Large, Value, and Growth; Mid: MSCI World Ex USA Mid, Value, and Growth; Small: MSCI World Ex USA Small, Value, and Growth).</image:caption>
    </image:image>
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      <image:title>Blog - Modernist in the Big City!</image:title>
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      <image:title>Blog - 2019 KICKOFF LETTER: FROM CREATIVES TO PROGRESSIVES</image:title>
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      <image:title>Blog - 2019 KICKOFF LETTER: FROM CREATIVES TO PROGRESSIVES</image:title>
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      <image:title>Blog - 2019 KICKOFF LETTER: FROM CREATIVES TO PROGRESSIVES</image:title>
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      <image:title>Blog - 2019 KICKOFF LETTER: FROM CREATIVES TO PROGRESSIVES</image:title>
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      <image:title>Blog - 2019 KICKOFF LETTER: FROM CREATIVES TO PROGRESSIVES</image:title>
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      <image:title>Blog - 2019 KICKOFF LETTER: FROM CREATIVES TO PROGRESSIVES</image:title>
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      <image:title>Blog - 2019 KICKOFF LETTER: FROM CREATIVES TO PROGRESSIVES</image:title>
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  <url>
    <loc>https://www.modernistuniversity.com/blog/2018/12/21/modernist-portfolios-why-we-dont-go-to-cash-in-downmarkets</loc>
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    <lastmod>2024-10-01</lastmod>
    <image:image>
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      <image:title>Blog - Modernist Portfolios: Why We Don't Go to Cash in Downmarkets</image:title>
      <image:caption>See below for data sources and disclosures.</image:caption>
    </image:image>
  </url>
  <url>
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      <image:title>Blog - TEAM MODERNIST on Using Your Tax Cut Windfall to Support Your Values</image:title>
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    <lastmod>2024-10-01</lastmod>
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      <image:title>Blog - FROM OUR INVESTMENT COMMITTEE | Investing Strategically, Not Emotionally</image:title>
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  <url>
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    <priority>0.5</priority>
    <lastmod>2024-10-01</lastmod>
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      <image:title>Blog - Talk to Your Advisor</image:title>
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  <url>
    <loc>https://www.modernistuniversity.com/blog/2018/10/12/from-our-investment-committee-q3-2018-in-perspective</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-10-01</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5a983e464611a0d842881eb0/1539360937692-JWVWL70MUFOFZT29V395/Screen+Shot+2018-10-12+at+9.14.08+AM.png</image:loc>
      <image:title>Blog - FROM OUR INVESTMENT COMMITTEE | Q3 2018 IN PERSPECTIVE</image:title>
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    <image:image>
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      <image:title>Blog - FROM OUR INVESTMENT COMMITTEE | Q3 2018 IN PERSPECTIVE</image:title>
      <image:caption>Source: Morningstar Direct 2018. U.S. markets represented by respective Russell indexes for each category (Large: Russell 1000, Value, and Growth, Mid: Russell Mid Cap, Value, and Growth, Small: Russell 2000, Value, and Growth).</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5a983e464611a0d842881eb0/1539361093787-AJZ2UOQ57JI3SC84GK2V/Screen+Shot+2018-10-12+at+9.14.30+AM.png</image:loc>
      <image:title>Blog - FROM OUR INVESTMENT COMMITTEE | Q3 2018 IN PERSPECTIVE</image:title>
      <image:caption>Source: Morningstar Direct 2018. International markets represented by respective MSCI World EX USA index series (Large: MSCI World EX USA Large, Value and Growth, Mid: MSCI World Ex USA Mid, Value, and Growth, Small: MSCI World Ex USA Small, Value, and Growth).</image:caption>
    </image:image>
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  <url>
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    <lastmod>2024-10-01</lastmod>
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      <image:title>Blog - MONTHLY LEARNING | Warehousing Wealth</image:title>
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    <lastmod>2024-10-01</lastmod>
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      <image:title>Blog - TEAM MODERNIST ON Q2 Market News, Money Stories, Invitation to Our Volunteer Day, and Tom Petty</image:title>
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  <url>
    <loc>https://www.modernistuniversity.com/blog/2018/8/16/money-stories-how-can-we-enjoy-our-money-honor-our-values</loc>
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    <priority>0.5</priority>
    <lastmod>2024-10-01</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5a983e464611a0d842881eb0/1534440989708-XAL9CJO5KJAI2QZT4ETA/2459_w.jpg</image:loc>
      <image:title>Blog - MONEY STORIES | How Can We Enjoy Our Money &amp; Honor Our Values?</image:title>
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      <image:title>Blog - MONEY STORIES | How Can We Enjoy Our Money &amp; Honor Our Values?</image:title>
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  <url>
    <loc>https://www.modernistuniversity.com/blog/2018/8/15/from-our-investment-committee-charts-every-investor-should-know-let-markets-work-for-you</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-10-01</lastmod>
    <image:image>
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      <image:title>Blog - FROM OUR INVESTMENT COMMITTEE | Charts Every Investor Should Know: Let Markets Work for You</image:title>
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      <image:title>Blog - FROM OUR INVESTMENT COMMITTEE | Charts Every Investor Should Know: Let Markets Work for You</image:title>
      <image:caption>Hypothetical value of $100 invested at the beginning of 1972 and kept invested through December 31, 2017. Assumes reinvestment of income and no transaction costs or taxes. This is for illustrative purposes only and not indicative of any investment. Total returns in U.S. dollars. Past performance is no guarantee of future results. Data source: Morningstar Direct and Dimensional’s Returns 2.0. U.S. Stocks: Fama/French Total U.S. Market Index Portfolio. U.S. Large Value Stocks: Fama/French U.S. Large Value Index (ex utilities). U.S. Small-Cap Stocks: CRSP Deciles 6-10 Index. International Stocks: MSCI EAFE IndexNet. U.S. Long-Term Gov’t Bonds: Long-Term Government Bonds. U.S. Treasury Bills (1-Month): One-Month U.S. Treasury Bills. U.S. Inflation (CPI): Consumer Price Index for All Urban Consumers (CPI-U). Indexes are unmanaged baskets of securities that investors cannot directly invest in. Index performance does not reflect the fees or expenses associated with the management of an actual portfolio.Risks associated with investing in stocks potentially include increased volatility (up and down movement in the value of your assets) and loss of principal. T Bills and government bonds are backed by the U. S. government and guaranteed as to the timely payment of principal and interest. T Bills and government bonds are subject to interest rate and inflation risk and their values will decline as interest rates rise.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.modernistuniversity.com/blog/2018/7/25/from-our-investment-committee-q2-2018-in-perspective</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-10-01</lastmod>
    <image:image>
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      <image:title>Blog - FROM OUR INVESTMENT COMMITTEE | Q2 2018 IN PERSPECTIVE</image:title>
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      <image:title>Blog - FROM OUR INVESTMENT COMMITTEE | Q2 2018 IN PERSPECTIVE</image:title>
      <image:caption>Source: Morningstar Direct 2018. U.S. markets represented by respective Russell indexes for each category (Large: Russell 1000, Value, and Growth; Mid: Russell Mid Cap, Value, and Growth; Small: Russell 2000, Value, and Growth).</image:caption>
    </image:image>
    <image:image>
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      <image:title>Blog - FROM OUR INVESTMENT COMMITTEE | Q2 2018 IN PERSPECTIVE</image:title>
      <image:caption>Source: Morningstar Direct 2018. International markets represented by respective MSCI World EX USA index series (Large: MSCI World EX USA Large, Value and Growth; Mid: MSCI World Ex USA Mid, Value, and Growth; Small: MSCI World Ex USA Small, Value, and Growth).</image:caption>
    </image:image>
  </url>
  <url>
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    <changefreq>monthly</changefreq>
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    <lastmod>2024-10-01</lastmod>
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      <image:title>Blog - TEAM MODERNIST ON Money Stories, Rebalancing, Pride &amp; Juneteenth with Gladys Bentley</image:title>
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    <lastmod>2025-12-29</lastmod>
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      <image:caption>But perhaps the most obvious first step is to make sure you adhere to the fiduciary standard. “Fiduciary duty” is a legal requirement to act only in another party’s interests. At Modernist Financial, we designed our legal structure to minimize conflicts of interest from the start. We are compensated only by our clients, which means no other parties or companies pay us referral fees, commissions, or kickbacks. In every case, our clients’ interests have to come before our own.</image:caption>
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      <image:caption>If a client is not protected by the Fiduciary Standard, the broker’s recommendations could be swayed by the aggressive sales goals and commission-based compensation that are common in our largest financial companies. Anyone who invests in the market and especially those who are saving for retirement need to be aware of the difference between the “Fiduciary” and “Suitability” requirements.</image:caption>
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