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    <lastmod>2019-08-13</lastmod>
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    <loc>https://www.lighthousecapital.com.au/community</loc>
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    <lastmod>2024-03-21</lastmod>
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      <image:title>COMMUNITY - GOOD MONEY HABITS PODCAST</image:title>
      <image:caption>Do you want to get your financial house in order? Are you seeking greater financial security so that you can focus on what you really want to do in life ? This podcast marries financial education with tips on how to change your “everyday money habits”. With over 20 years experience across financial services, Julia be explores the foundations of money by bringing in industry experts to share their wisdom and expertise.</image:caption>
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    <loc>https://www.lighthousecapital.com.au/areas-of-practice</loc>
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    <lastmod>2023-03-10</lastmod>
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      <image:title>AREAS OF PRACTICE - What we do.</image:title>
      <image:caption>We seek to develop customised, holistic financial planning solutions matched to our client’s individual preferences. Our strength lies in having experienced experts across the spectrum of financial planning including strategic advice, personal insurances, superannuation (including SMSF’s) and portfolio construction. We specialise is managing individually managed investment portfolios with an emphasis on income generation and capital preservation.</image:caption>
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      <image:title>AREAS OF PRACTICE - 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.lighthousecapital.com.au/financial-service-guides</loc>
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    <lastmod>2026-03-12</lastmod>
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    <loc>https://www.lighthousecapital.com.au/expertise</loc>
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    <lastmod>2026-03-12</lastmod>
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      <image:title>EXPERTISE - Wealth Accumulators</image:title>
      <image:caption>In order to optimise the various dimensions of your financial world, we will work together with you to formulate a financial solution that may include: Establishing financial goals and objectives Ensuring appropriate Personal insurances are in place Providing advice with regards to your debt management needs Investing, reviewing ownership structures and tax planning Building wealth tax effectively</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60af0d1ccdbd680bc1fe4090/1628048489532-1AWL5SB291A8V3Z8WU1O/unsplash-image-Lurw1nCIkLc.jpg</image:loc>
      <image:title>EXPERTISE - Pre-Retirees</image:title>
      <image:caption>If you are planning to retire in the next five to ten years, now is the most critical time to establish a targeted and personalised financial plan to secure and protect your future. This may include: Paying off your debts Growing your retirement benefits Maximising your wealth position</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60af0d1ccdbd680bc1fe4090/1628048448698-50KS7K98CPS8C1CHMYL0/unsplash-image-6D58t6uZT5M.jpg</image:loc>
      <image:title>EXPERTISE - Retirees</image:title>
      <image:caption>Helping you as a retiree to generate an income stream to support your lifestyle and ensuring longevity of funds throughout your retirement years and beyond by way of: Generating a tax effective income stream in retirement Preserving your wealth Living your best life</image:caption>
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      <image:title>EXPERTISE - Private Wealth</image:title>
      <image:caption>As Australia has a highly complex taxation and superannuation landscape, we collaborate with your trusted advisors to navigate these complexities and assist in developing strategies and solutions. This may include: High net worth individuals Inter-generational wealth transfer Complex financial planning requirements</image:caption>
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  </url>
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    <loc>https://www.lighthousecapital.com.au/home</loc>
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    <lastmod>2026-03-13</lastmod>
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  <url>
    <loc>https://www.lighthousecapital.com.au/contact-us</loc>
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    <lastmod>2026-03-12</lastmod>
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  <url>
    <loc>https://www.lighthousecapital.com.au/perth</loc>
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    <lastmod>2025-11-25</lastmod>
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      <image:title>PERTH</image:title>
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      <image:title>PERTH</image:title>
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      <image:title>PERTH</image:title>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/60af0d1ccdbd680bc1fe4090/1629875010236-2J4S56XU8SSC5D7KODWJ/LightHouseCapital_2021_PhotographyByMattBiocich-17.jpg</image:loc>
      <image:title>PERTH</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60af0d1ccdbd680bc1fe4090/1629875463332-1CZAYEKVKUPY6YZZPTWW/LightHouseCapital_2021_PhotographyByMattBiocich-35.jpg</image:loc>
      <image:title>PERTH</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60af0d1ccdbd680bc1fe4090/26303c7f-3ea8-4826-b590-aa3892a92dbf/JH+Office.jpg</image:loc>
      <image:title>PERTH</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60af0d1ccdbd680bc1fe4090/0e1e8c53-73f3-436c-8486-9571139806ee/AL+Office.jpg</image:loc>
      <image:title>PERTH</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60af0d1ccdbd680bc1fe4090/69376fcc-056f-4d8d-842c-af10ed621fce/MK+Office.jpg</image:loc>
      <image:title>PERTH</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60af0d1ccdbd680bc1fe4090/800bc4fa-4f28-40e0-bb39-dbdfa8b6fcbf/Profile+Pic.jpg</image:loc>
      <image:title>PERTH</image:title>
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  <url>
    <loc>https://www.lighthousecapital.com.au/general-advice-warning</loc>
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    <lastmod>2025-10-01</lastmod>
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  <url>
    <loc>https://www.lighthousecapital.com.au/about</loc>
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    <lastmod>2026-03-12</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/60af0d1ccdbd680bc1fe4090/1629164310345-6U11FL7SXUNOIXFAFRJ8/Lighthouse+Capital+Perth</image:loc>
      <image:title>ABOUT - Culture matters. At Lighthouse Capital we understand and accept that change is inevitable. By fostering a culture of developing and maintaining an open mindset, together with a lifelong learning approach, we seek to continually find improvements in all that we do. We believe good culture is a critical factor to success, which is reflected in our decision making, approach and ultimately the client experience. We also endeavour to be an “employer of choice” as we know that by attracting and retaining the right people, we will continue to come from a place of strength and innovation coupled with a solid heritage.</image:title>
      <image:caption>Bernard Schortinghuis Principal &amp; Director</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60af0d1ccdbd680bc1fe4090/1657680248719-J07UIVHHU91W5N0JB12E/unsplash-image-Is-mqEzCThQ.jpg</image:loc>
      <image:title>ABOUT - The Lighthouse Story</image:title>
      <image:caption>Bernard Schortinghuis commenced in the Financial Planning industry in 1993 after graduating from Curtin University with a degree in Economics and Financial Management.  In September 2000 the foundation company to what is now Lighthouse Capital was established after an opportunity emerged to take over a small but well managed business within the Godfrey Pembroke Financial Planning network. The company has enjoyed considerable success over the years and has also seen the integration of other practices and the formation of some key business partnerships to form the structure of what Lighthouse Capital is today. During this journey, Bernard’s wife Julia, after completing her degree in Commerce, was gaining industry experience in a variety of roles including retail banking and stockbroking. In 2000, Julia was promoted into a Vice President Role with the US Investment Bank, Merrill Lynch.   By 2005, the practice had grown to such an extent that the need for a Practice Manager became clear.  It was this growth and the impending integration of another practice that prompted Julia to resign from her position with Merrill Lynch and join the group as Financial Adviser and Practice Manager. A joint venture arrangement with CNW Accounting was also formed in 2008 to create Lighthouse Capital Applecross (formerly Broadway Financial Services) which provides the ability for accountants and advisers to service clients in a collaborative manner with complex taxation and structuring needs. More recently in 2022, to acknowledge the work and dedication of key staff in the business, Lighthouse Capital Collective was born with Donelle Parkin and Michael Ip taking on directorship positions to share in the growth of the company and create a succession plan to ensure that our clients are serviced well into the future. Our newest entity, Lighthouse Capital North, was created in March 2023 with Michelle Taylor coming on board as an adviser within the brand. She brings over 20 years experience in both banking and financial advice and aligns to the business ethos, bringing a a dynamic energy to the office. Our practices continue to thrive with growth coming predominantly through referrals from existing clients and referral partners for over 20 years with a dedicated team of 15 staff across WA, including 5 specialized advisers.</image:caption>
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      <image:title>ABOUT - KNOWLEDGE. UNDERSTANDING.  TRUST.</image:title>
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  <url>
    <loc>https://www.lighthousecapital.com.au/resources</loc>
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    <lastmod>2024-03-21</lastmod>
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    </image:image>
    <image:image>
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      <image:title>RESOURCES - Resources.</image:title>
      <image:caption>Godfrey Pembroke Group (Including Understanding Series) www.godfreypembroke.com.au Client Portfolio Logins Macquarie Wrap www.macquarie.com.au MLC Wrap wealth.mlc.com.au Expand myexpand.com.au HUB24 www.hub24.com.au netwealth www.netwealth.com.au BT Panorama www.panoramainvestor.com.au</image:caption>
    </image:image>
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  <url>
    <loc>https://www.lighthousecapital.com.au/terms-and-conditions</loc>
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    <lastmod>2024-03-21</lastmod>
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  <url>
    <loc>https://www.lighthousecapital.com.au/media</loc>
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    <lastmod>2025-10-01</lastmod>
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      <image:title>MEDIA</image:title>
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      <image:title>MEDIA</image:title>
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    <image:image>
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      <image:title>MEDIA</image:title>
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      <image:title>MEDIA - 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.lighthousecapital.com.au/privacypolicies</loc>
    <changefreq>daily</changefreq>
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    <lastmod>2026-03-13</lastmod>
  </url>
  <url>
    <loc>https://www.lighthousecapital.com.au/north</loc>
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    <lastmod>2025-10-09</lastmod>
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