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      <image:title>Home - Who We Are</image:title>
      <image:caption>Fries Financial Group is dedicated to making lives better–our clients, our team, and our community–by optimizing true wealth. Get to know our GREAT team and our journey.</image:caption>
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      <image:title>Client Experience</image:title>
      <image:caption>#1. Connection Are we comfortable with each other?</image:caption>
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      <image:title>Client Experience</image:title>
      <image:caption>#2. Clarity Do you even need a financial adviser?</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fa9b7c13a4ad1256cfec5b6/1605749406092-62MFZXTXJ1QYL6QM33XA/strategy.jpg</image:loc>
      <image:title>Client Experience</image:title>
      <image:caption>#3. Strategy How can we help you achieve your wealth objectives?</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fa9b7c13a4ad1256cfec5b6/1605750087718-BHAWKGI9ZNS5DM4BATQZ/communication.jpg</image:loc>
      <image:title>Client Experience</image:title>
      <image:caption>#4. Communication How will we keep in touch?</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fa9b7c13a4ad1256cfec5b6/1605747653256-0U9A6BGV5SHUP6D4HWEM/partnership.jpg</image:loc>
      <image:title>Client Experience</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.friesfinancialgroup.com/services</loc>
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    <priority>0.75</priority>
    <lastmod>2020-11-22</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fa9b7c13a4ad1256cfec5b6/1605368757590-6OZHXCZRKFOOP26LNDC9/asset-allocation.jpg</image:loc>
      <image:title>Services - Asset Management</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fa9b7c13a4ad1256cfec5b6/1605369651395-0BGG27CYR3C0W99OTVGC/retirement-planning.jpg</image:loc>
      <image:title>Services - Retirement Planning</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fa9b7c13a4ad1256cfec5b6/1605369707785-882KX1SKK64HDF06WLF6/financial-planning.jpg</image:loc>
      <image:title>Services - Financial Planning</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fa9b7c13a4ad1256cfec5b6/1605369880561-DWG1J5BTW0Y3CGI96RSJ/college-planning.jpg</image:loc>
      <image:title>Services - College Planning</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fa9b7c13a4ad1256cfec5b6/1606076904148-QM9Z2O69RNF5XI8XXKQ8/image-asset.jpeg</image:loc>
      <image:title>Services - Estate Planning</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.friesfinancialgroup.com/asset-management</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2024-01-20</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fa9b7c13a4ad1256cfec5b6/1606237535134-JXDH4G26XAIYFLV6QUFM/image-asset.jpeg</image:loc>
      <image:title>Asset Management - Understanding Your True Asset Mix</image:title>
      <image:caption>Over the past 20 years, asset allocation has increasingly become the foundation of individual as well as institutional investment portfolios. Yet, while many people are familiar with the concept, not all fully understand what it means to them and their investments. Asset allocation entails exchanging the potential to reap a higher return – and the risk of taking an equally dramatic loss – for the likelihood of generating a more consistent, positive return over the long term. The general idea is that instead of devoting the bulk of your assets to a particular sector or even one specific investment, you choose different types of investments. Underlying this decision is the assumption that each asset class will react somewhat differently to a given event. For example, if interest rates rise, some asset classes should, as a whole, increase in value. Conversely, the value of some of your investments will tend to decline in the same environment – but should flourish when rates drop.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fa9b7c13a4ad1256cfec5b6/1606234695946-PEBQ7WMY9SVO2ZZHJAUJ/image-asset.jpeg</image:loc>
      <image:title>Asset Management - Basic Asset Classes</image:title>
      <image:caption>Depending on your appetite for risk, the economic environment, your specific investment objectives and other factors, your portfolio might include some or all of the following: Cash and cash alternatives U.S. equities Non-U.S. equities Fixed income Real estate Alternative investments</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.friesfinancialgroup.com/contact</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-04-10</lastmod>
  </url>
  <url>
    <loc>https://www.friesfinancialgroup.com/retirement-planning</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2020-11-29</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fa9b7c13a4ad1256cfec5b6/1606234940840-FLQE0VHK78MS58KG65N5/image-asset.jpeg</image:loc>
      <image:title>Retirement Planning - Congratulations.</image:title>
      <image:caption>You're here because you know the person that matters most in your retirement planning is you. And no matter what stage you're in – early in your career, actively contemplating retirement or already retired – we're here to help. Use these resources and tools to learn more about the risks and concerns you'll face – as well as the opportunities – as you make your retirement plans. Simply click on the button below that best represents where you are in your retirement planning process and follow the steps. Note: The links below will open in a new browser tab. Envisioning Retirement Retirement Income  Social Security Health &amp; Long-term Care Longevity Planning</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.friesfinancialgroup.com/financial-planning</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2024-01-20</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fa9b7c13a4ad1256cfec5b6/b4a94c7a-23ab-48e0-9cab-b276c66a2666/Cathy+office+-+Fries+Financial+%2821%29.jpg</image:loc>
      <image:title>Financial Planning - Planning: The Key to Financial Success</image:title>
      <image:caption>In life, we pass through several phases, each with different financial requirements. For example, the financial needs of a young married couple are not the same as those of a retired couple. That is why continuous, long-term planning is essential. Typically, there are three basic financial steps most people take in life. They include: Wealth accumulation – the building of a solid, diversified financial foundation from which to expand over time. During this phase, allocation of money for a home, investments, life insurance and educational expenses is coordinated with tax planning strategies to ensure that current and future income is utilized effectively. Wealth conservation – the inclusion of a variety of investment strategies and further diversification, designed to preserve and invest assets to help ensure adequate funds for current living expenses and future retirement needs. Wealth distribution – the proper allocation of assets to heirs. Good estate planning should provide for the orderly transfer of assets while avoiding unnecessary tax burdens. In addition to the complexities and changing priorities that occur over a lifetime, a financial plan also is affected by fluctuating economic conditions, taxes and inheritance laws. We have the expertise to thoughtfully design a plan with your circumstances in mind, helping you develop a long-term financial strategy for your individual needs.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fa9b7c13a4ad1256cfec5b6/865eb94b-850a-451d-be16-3b956ff3dbbb/Conf+Room+-+Tim+and+Team+-+Fries+Financial+%289%29.jpg</image:loc>
      <image:title>Financial Planning - The Raymond James Advantage</image:title>
      <image:caption>As financial advisors with Raymond James, we possess the necessary tools to guide you through every step of the financial planning process, including: Helping you define specific financial goals by reviewing your financial situation in depth, taking into account your income, assets and liabilities, current portfolio, risk tolerance and investment time horizon Offering you flexible account options, including traditional investment accounts or a variety of fee-based alternatives that feature quarterly fees and low or no transaction costs Helping with the paperwork that often accompanies investing Accessing and evaluating up-to-the-minute market data, research reports and other economic and financial information Using computer-generated models to show you how asset allocation and investment diversification may enhance your portfolio, as well as how much time you may need to accumulate a specific amount of money for retirement and other purposes Offering you a variety of investment alternatives and services to meet your needs – including retirement, education, tax and estate planning, stocks, bonds, load and no-load mutual funds, CDs, insurance, annuities, trust services, asset management and banking services Working with your other professional advisors, such as attorneys and tax specialists, to help ensure coordination in all areas of your financial life Meeting with you to evaluate the performance of your investments and to make sure that they’re in line with your goals Investing involves risk and you may incur a profit or loss regardless of strategy selected, including diversification and asset allocation.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.friesfinancialgroup.com/team</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-09-24</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fa9b7c13a4ad1256cfec5b6/1605477906032-98Q1VT2AU4D6DF2O1H2C/Timothy+M.+Fries</image:loc>
      <image:title>Meet Our Team</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fa9b7c13a4ad1256cfec5b6/1605478342568-XAI26WJ5I2WKCQLH3AVJ/Cathy+Johnson</image:loc>
      <image:title>Meet Our Team</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fa9b7c13a4ad1256cfec5b6/1605478463146-1VGSDTI8G9JVJ6AJW6MO/Michele+L.+Kressin</image:loc>
      <image:title>Meet Our Team</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fa9b7c13a4ad1256cfec5b6/1605478790326-R3ET26SWM9AE9TSOFJL3/Zachary+T.+Schimmel</image:loc>
      <image:title>Meet Our Team</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fa9b7c13a4ad1256cfec5b6/1629577365972-36PRF9OPGZVYPWV2I5S0/thomas-madison.jpg</image:loc>
      <image:title>Meet Our Team</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fa9b7c13a4ad1256cfec5b6/1605478818155-C0PBTX3408O8SV2VCHSI/Elizabeth+Zank</image:loc>
      <image:title>Meet Our Team</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fa9b7c13a4ad1256cfec5b6/dee78686-4bcc-4cf3-a1e4-6510d4556d32/Kendall+Headshot.jpg</image:loc>
      <image:title>Meet Our Team - 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/v1/5fa9b7c13a4ad1256cfec5b6/1605478981730-ND2SGRVLC1P7H2JIKS6L/amanda-jaquish.jpg</image:loc>
      <image:title>Meet Our Team</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fa9b7c13a4ad1256cfec5b6/1605479105306-LEPB2BGCRQFJAPE8N1PT/codi-koxlien.jpg</image:loc>
      <image:title>Meet Our Team</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fa9b7c13a4ad1256cfec5b6/1605478904250-YVQD76MJG57YSWT0GPBQ/heidi-arendt.jpg</image:loc>
      <image:title>Meet Our Team</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fa9b7c13a4ad1256cfec5b6/1605479148445-35T9R3FSKXHGN06LJYHX/Melissa+Ludy</image:loc>
      <image:title>Meet Our Team</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.friesfinancialgroup.com/timothy-fries-cfp</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-04-10</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fa9b7c13a4ad1256cfec5b6/1605477906032-98Q1VT2AU4D6DF2O1H2C/Timothy+M.+Fries</image:loc>
    </image:image>
  </url>
  <url>
    <loc>https://www.friesfinancialgroup.com/cathy-johnson</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-04-10</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fa9b7c13a4ad1256cfec5b6/1605478342568-XAI26WJ5I2WKCQLH3AVJ/Cathy+Johnson</image:loc>
    </image:image>
  </url>
  <url>
    <loc>https://www.friesfinancialgroup.com/resources</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2023-05-22</lastmod>
  </url>
  <url>
    <loc>https://www.friesfinancialgroup.com/college-planning</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2024-01-20</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fa9b7c13a4ad1256cfec5b6/1606237382283-KA6PJZOGX9NNPFQPJZ3X/image-asset.jpeg</image:loc>
      <image:title>College Planning - Exploring the Various Ways of Funding a College Education</image:title>
      <image:caption>Before your child was even born, you were planning. What will we name him? What color should we paint her room? What is the best childcare alternative? But with all the demands and decisions that new parents face, one important aspect is often unintentionally overlooked in those early stages – college. However, with tuition rates rising, it should be at the top of every parent’s planning list ... no matter what the child’s age. What’s more, saving for a child’s education doesn’t necessarily have to rest entirely with parents. With the flexibility and convenience of today’s savings plans, many alternatives make good sense for grandparents, aunts and uncles, other family members and friends. You have big dreams for the child in your life. Don’t let a lack of planning sidetrack those aspirations. As Raymond James financial advisors, we’re here to assist. Our knowledge and professional guidance can help you give your child the opportunity for the bright future he or she deserves.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fa9b7c13a4ad1256cfec5b6/1606237249846-19026HZAT3JU2T52ALSO/image-asset.jpeg</image:loc>
      <image:title>College Planning - Start Planning Today</image:title>
      <image:caption>Although it is best to start the college investment process when your child is young, it is never too late to begin. No matter your child’s age, what’s important is that you plan now. It is easy to put off thinking about these expenses, hoping that your child will receive scholarships or financial aid. But don’t count on them. While these awards do help with college funding, they are not guaranteed, not always comprehensive and not available to everyone.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.friesfinancialgroup.com/michele-oconnor</loc>
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    <priority>0.75</priority>
    <lastmod>2025-04-14</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fa9b7c13a4ad1256cfec5b6/1605478463146-1VGSDTI8G9JVJ6AJW6MO/Michele+L.+Kressin</image:loc>
    </image:image>
  </url>
  <url>
    <loc>https://www.friesfinancialgroup.com/zachary-schimmel</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-04-10</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fa9b7c13a4ad1256cfec5b6/1605478790326-R3ET26SWM9AE9TSOFJL3/zachary-schimmel.jpg</image:loc>
    </image:image>
  </url>
  <url>
    <loc>https://www.friesfinancialgroup.com/elizabeth-lawrence</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-07-24</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fa9b7c13a4ad1256cfec5b6/1605478818155-C0PBTX3408O8SV2VCHSI/elizabeth-zank.jpg</image:loc>
    </image:image>
  </url>
  <url>
    <loc>https://www.friesfinancialgroup.com/heidi-arendt</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-04-10</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fa9b7c13a4ad1256cfec5b6/1605478904250-YVQD76MJG57YSWT0GPBQ/Heidi+Arendt</image:loc>
      <image:title>Heidi Arendt</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.friesfinancialgroup.com/amanda-jaquish</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-04-10</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fa9b7c13a4ad1256cfec5b6/1605478981730-ND2SGRVLC1P7H2JIKS6L/Amanda+Jaquish</image:loc>
    </image:image>
  </url>
  <url>
    <loc>https://www.friesfinancialgroup.com/codi-koxlien</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-04-10</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fa9b7c13a4ad1256cfec5b6/1605479105306-LEPB2BGCRQFJAPE8N1PT/Codi+Koxlien</image:loc>
    </image:image>
  </url>
  <url>
    <loc>https://www.friesfinancialgroup.com/melissa-ludy</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-04-10</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fa9b7c13a4ad1256cfec5b6/1605479148445-35T9R3FSKXHGN06LJYHX/Melissa+Ludy</image:loc>
    </image:image>
  </url>
  <url>
    <loc>https://www.friesfinancialgroup.com/estate-planning</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2020-12-18</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fa9b7c13a4ad1256cfec5b6/1606237864430-7HYNON7IKY49REL00LCW/image-asset.jpeg</image:loc>
      <image:title>Estate Planning - Estate and Charitable Giving Planning</image:title>
      <image:caption>Estate and charitable giving planning are intricately intertwined in that they both address how your assets will be distributed. The highest priorities of most people often include providing for their families and supporting charitable causes they believe in. Prudent estate and charitable giving plans can help you accomplish both.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fa9b7c13a4ad1256cfec5b6/1606237817087-OKEIGAUQXJBMXUPISOMH/image-asset.jpeg</image:loc>
      <image:title>Estate Planning - What is estate planning?</image:title>
      <image:caption>Estate planning is essential for distributing your wealth in life and after death. It allows you to preserve your family values and ensure that your assets benefit the people and charitable causes in accordance with your wishes. Estate planning provides certainty and control over all you’ve worked for and accumulated during your lifetime. Our team, along with knowledgeable attorneys, can assist in creating or managing your estate plan.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.friesfinancialgroup.com/529-savings-plan</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2020-12-03</lastmod>
  </url>
  <url>
    <loc>https://www.friesfinancialgroup.com/529-prepaid-plan</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2020-12-03</lastmod>
  </url>
  <url>
    <loc>https://www.friesfinancialgroup.com/ugma-utma</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2020-12-03</lastmod>
  </url>
  <url>
    <loc>https://www.friesfinancialgroup.com/coverdell-education-savings-accounts</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2020-12-03</lastmod>
  </url>
  <url>
    <loc>https://www.friesfinancialgroup.com/alternatives-to-education-savings-plans</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2020-12-03</lastmod>
  </url>
  <url>
    <loc>https://www.friesfinancialgroup.com/thomas-madison</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-04-10</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fa9b7c13a4ad1256cfec5b6/1629577365972-36PRF9OPGZVYPWV2I5S0/thomas-madison.jpg</image:loc>
    </image:image>
  </url>
  <url>
    <loc>https://www.friesfinancialgroup.com/ffg-video</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2023-02-10</lastmod>
  </url>
  <url>
    <loc>https://www.friesfinancialgroup.com/kendall-zeman</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-09-24</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fa9b7c13a4ad1256cfec5b6/9f1c562c-f8a1-414e-9465-28535eee679c/Kendall+Headshot.jpg</image:loc>
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