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    <loc>https://athoswealth.com/athosinsights</loc>
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    <lastmod>2025-11-11</lastmod>
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    <loc>https://athoswealth.com/athosinsights/2025-checklist</loc>
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    <lastmod>2025-11-11</lastmod>
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      <image:title>Athos Insights - Blog - 2025 Year-End Checklist</image:title>
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      <image:title>Athos Insights - Blog - 2025 Year-End Checklist</image:title>
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      <image:title>Athos Insights - Blog - 2025 Year-End Checklist</image:title>
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      <image:title>Athos Insights - Blog - 2025 Year-End Checklist</image:title>
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  <url>
    <loc>https://athoswealth.com/athosinsights/collectibles</loc>
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    <lastmod>2025-09-23</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/65bf0ae42f9968698f2fbf35/09533458-d7eb-4667-adbf-ef4c1e19d2be/LEGO+vs+SP+500+vs+Gold.png</image:loc>
      <image:title>Athos Insights - Blog - From Playroom to Portfolio: Collectibles as Alternative Assets - Make it stand out</image:title>
      <image:caption>Illustration: ROI for Purchasing Every LEGO Set Released in 2009 vs. Investing Equivalent Funds in S&amp;P 500 or Gold (2009–2025). Percentage return on investment from 2009 to 2025 for matched portfolios of LEGO, S&amp;P 500, and gold. Source: Brickfact.com</image:caption>
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      <image:title>Athos Insights - Blog - From Playroom to Portfolio: Collectibles as Alternative Assets - 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://athoswealth.com/athosinsights/interest-rates</loc>
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    <lastmod>2025-09-16</lastmod>
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      <image:title>Athos Insights - Blog - Interest Rates: Setting the Temperature of our Economic Climate - Make it stand out</image:title>
      <image:caption>Source: FRED</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/65bf0ae42f9968698f2fbf35/52b3e2c5-72a8-4fed-88b0-939ef675be27/Rate+Change+Possibilities.png</image:loc>
      <image:title>Athos Insights - Blog - Interest Rates: Setting the Temperature of our Economic Climate - Make it stand out</image:title>
      <image:caption>Source: CME FedWatch Tool; Current Data as of 8/22/25</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/65bf0ae42f9968698f2fbf35/c95a7eda-e481-4d9a-a3f5-edab7849a564/Comparison+Interest+Rates.png</image:loc>
      <image:title>Athos Insights - Blog - Interest Rates: Setting the Temperature of our Economic Climate - Make it stand out</image:title>
      <image:caption>Source: FRED</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/65bf0ae42f9968698f2fbf35/4b5b031c-4cb4-4091-bbc5-41553fb55d09/US+Public+Debt.png</image:loc>
      <image:title>Athos Insights - Blog - Interest Rates: Setting the Temperature of our Economic Climate - Make it stand out</image:title>
      <image:caption>Source: FRED</image:caption>
    </image:image>
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  <url>
    <loc>https://athoswealth.com/athosinsights/obbba-pc</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-08-25</lastmod>
  </url>
  <url>
    <loc>https://athoswealth.com/athosinsights/qsbs</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-07-31</lastmod>
  </url>
  <url>
    <loc>https://athoswealth.com/athosinsights/estatetaxsunset</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-23</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/65bf0ae42f9968698f2fbf35/5d5253a3-228c-46a9-91b6-fbd685615775/Federal+Estate+Tax+Exemption.png</image:loc>
      <image:title>Athos Insights - Blog - The $13.99 Million Question: Why 2025 Is Critical for Estate Planning - Make it stand out</image:title>
      <image:caption>Figure: Federal estate tax exemption amounts for individuals and married couples from 2000 through 2026 (projected). Source: IRS.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://athoswealth.com/athosinsights/bridgefundingglobal</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-10</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/65bf0ae42f9968698f2fbf35/544649fc-fc51-4f7b-9786-9cc23ddb2d52/IMG_5617.jpg</image:loc>
      <image:title>Athos Insights - Blog - How Family Offices Are Quietly Powering the Next Generation of Venture Capital</image:title>
      <image:caption>At a recent Bridge Funding Global conference, Christina Rice, Head of Investment Research &amp; Operations at Athos, shared her perspective on an emerging force in venture capital: family offices. In a landscape where capital is increasingly concentrated among a few mega-funds, Christina emphasized that family offices are uniquely positioned to support the next generation of emerging managers—and are playing a much larger role in shaping the future of the industry than many realize. “Just nine VC firms raised nearly half of all new capital in the U.S. last year,” she noted. “There’s a growing gap between capital-rich incumbents and high-potential, underfunded new managers. That’s where family offices can—and should—step in.” Unlike institutional investors, family offices can move more quickly, write smaller checks, and operate without the same layers of bureaucracy. “We don’t have to schedule investment committee meeting three weeks ahead or adhere to rigid allocation policies,” Christina said. “That flexibility allows us to take calculated risks early—when it matters most.”</image:caption>
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  <url>
    <loc>https://athoswealth.com/athosinsights/tariffs</loc>
    <changefreq>monthly</changefreq>
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    <lastmod>2025-08-04</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/65bf0ae42f9968698f2fbf35/8f051b6c-9852-4215-996c-cc2e2eeeb5a5/Current+Account+%26+Fiscal+Deficits.png</image:loc>
      <image:title>Athos Insights - Blog - Tariffs, Trade Tensions, and Global Markets - Exhibit 1: Foreign ownership of U.S. assets is a critical offset to persistent deficits—but this dependence raises the stakes of trade retaliation: Data as of January 31, 2025. Source: U.S. Bureau of Economic Analysis, Haver Analytics.</image:title>
      <image:caption>A Deeper Problem: The Trade Deficit and the Limits of Tariffs The United States has run a persistent trade deficit since the 1970s—importing far more than it exports. In 2023, that deficit reached over $773 billion,² driven by demand for low-cost foreign goods and a deeply embedded global supply chain model. This imbalance is fueled by large fiscal and current account deficits—both increasingly financed by foreign investors, raising the stakes of potential retaliation. This external dependence raises new risks, especially as trade relationships fray. Exhibit 1 illustrates this growing imbalance.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/65bf0ae42f9968698f2fbf35/1747247533137-0LSFDXCE26H3V5XWUTLV/Trump%27s+Tariff+War.png</image:loc>
      <image:title>Athos Insights - Blog - Tariffs, Trade Tensions, and Global Markets - Make it stand out</image:title>
      <image:caption>Source: World Bank, WITS (World Integrated Trade Solution). *Trade-weighted; **Customs duties collected divided by total goods imports.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/65bf0ae42f9968698f2fbf35/de5b9240-ad5d-4586-9b37-ea24b5caf544/Price+Change.png</image:loc>
      <image:title>Athos Insights - Blog - Tariffs, Trade Tensions, and Global Markets - Make it stand out</image:title>
      <image:caption>Source: Flaaen Et Al., “Price Effects of U.S. Trade Policy”</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/65bf0ae42f9968698f2fbf35/d810202e-f5b5-41c7-acf5-76efcd5bd109/Trade+Uncertainty.png</image:loc>
      <image:title>Athos Insights - Blog - Tariffs, Trade Tensions, and Global Markets - Make it stand out</image:title>
      <image:caption>Data as of April 30, 2025 Source: Economic Policy Uncertainty, Cboe, Federal Reserve Bank of St. Louis, MSCI.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/65bf0ae42f9968698f2fbf35/41b73df6-2961-4497-84ac-d83d9fb947e2/Avg+3.png</image:loc>
      <image:title>Athos Insights - Blog - Tariffs, Trade Tensions, and Global Markets - Make it stand out</image:title>
      <image:caption>Data as of Q1 1989 through Q3 2024. Source: S&amp;P 500, Cambridge Associates U.S. Private Equity, Bloomberg Disclaimer: There is no guarantee that such hypothetical returns would be achieved. There are risks and uncertainties related to hypothetical returns.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://athoswealth.com/athosinsights/privatecredit</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-08-04</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/65bf0ae42f9968698f2fbf35/ede51a3e-0235-438f-a302-fc47295f2aac/GPC+AUM.png</image:loc>
      <image:title>Athos Insights - Blog - Private Credit: Capitalizing on a $2 Trillion Market</image:title>
      <image:caption>The financial landscape has witnessed a significant transformation over the last decade and a half, with private credit emerging as a dominant force. From holding less than $400 billion in assets before 2008, this asset class has expanded exponentially to nearly $2 trillion by the end of 2023. Forecasts by BlackRock suggest that by 2028, the market could swell to $3.5 trillion. This growth has been fueled by several pivotal shifts in the financial sector, primarily sparked by regulatory changes post-2008 Global Financial Crisis and evolving corporate finance strategies.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/65bf0ae42f9968698f2fbf35/9b137acb-7796-48c4-8346-b37a157efe27/Picture3.png</image:loc>
      <image:title>Athos Insights - Blog - Private Credit: Capitalizing on a $2 Trillion Market</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/65bf0ae42f9968698f2fbf35/8548ac9f-4604-40e1-b126-9ce1f3442f2a/Picture4pc.png</image:loc>
      <image:title>Athos Insights - Blog - Private Credit: Capitalizing on a $2 Trillion Market</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/65bf0ae42f9968698f2fbf35/c083c27c-f9f5-4de5-9cfd-c4d480c84110/Picture5PC.png</image:loc>
      <image:title>Athos Insights - Blog - Private Credit: Capitalizing on a $2 Trillion Market</image:title>
      <image:caption>Source: CAIS Group</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/65bf0ae42f9968698f2fbf35/46c5227a-23b3-4646-9a6a-de348090c365/Picture8PC.png</image:loc>
      <image:title>Athos Insights - Blog - Private Credit: Capitalizing on a $2 Trillion 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>
  <url>
    <loc>https://athoswealth.com/athosinsights/blog-post-title-one-kbykk-pat5g</loc>
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    <priority>0.5</priority>
    <lastmod>2025-08-04</lastmod>
    <image:image>
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      <image:title>Athos Insights - Blog - Private Investing: Seeking Alpha Beyond the Stock Market</image:title>
      <image:caption>Note: 2024 market cap shown as of 8/31/24. Valuations reflected during the pre-IPO period of 2004 to 2011 include both the post-money valuation of priced fundraising rounds and estimated notional value based on proposed M&amp;A transactions. Source: The Wall Street Journal</image:caption>
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    <image:image>
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      <image:title>Athos Insights - Blog - Private Investing: Seeking Alpha Beyond the Stock Market</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/65bf0ae42f9968698f2fbf35/1748362840451-MJ7ZH17SNPCH7WPXUPS0/P%2525AUM.jpg</image:loc>
      <image:title>Athos Insights - Blog - Private Investing: Seeking Alpha Beyond the Stock Market</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/65bf0ae42f9968698f2fbf35/7de0d231-69f4-42ec-9e48-89433b6df321/PScale.png</image:loc>
      <image:title>Athos Insights - Blog - Private Investing: Seeking Alpha Beyond the Stock 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/65bf0ae42f9968698f2fbf35/5b3fb3de-e1b0-4568-8dc9-37a5810b10b0/Picture8.png</image:loc>
      <image:title>Athos Insights - Blog - Private Investing: Seeking Alpha Beyond the Stock Market - Make it stand out</image:title>
      <image:caption>Source: CAIS Group</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/65bf0ae42f9968698f2fbf35/0bfc7d1f-d363-4f03-9af5-3864c51ddd9d/tablePVT.png</image:loc>
      <image:title>Athos Insights - Blog - Private Investing: Seeking Alpha Beyond the Stock Market - Make it stand out</image:title>
      <image:caption>Source: CAIS Group</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/65bf0ae42f9968698f2fbf35/0219cd6a-189d-40e7-b2d1-5c65f22a4455/IRR.jpg</image:loc>
      <image:title>Athos Insights - Blog - Private Investing: Seeking Alpha Beyond the Stock Market</image:title>
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  </url>
  <url>
    <loc>https://athoswealth.com/athosinsights/smallcaps</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-08-04</lastmod>
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      <image:title>Athos Insights - Blog - Are Small-Caps Poised for a Comeback?</image:title>
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  <url>
    <loc>https://athoswealth.com/athosinsights/taxes-investments</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-05-27</lastmod>
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      <image:title>Athos Insights - Blog - Taxes, Investments, and the Declaration of Independence - 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://athoswealth.com/athosinsights/inflation</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-10</lastmod>
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      <image:title>Athos Insights - Blog - Is Inflation Here to Stay? - Make it stand out</image:title>
      <image:caption>Source:  McDonald's Corporation</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://athoswealth.com/athosinsights/optimizingportfolios</loc>
    <changefreq>monthly</changefreq>
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    <lastmod>2025-05-27</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/65bf0ae42f9968698f2fbf35/94f724af-b530-44e0-936b-2e830dac8c14/ATHOS-0324-2.jpg</image:loc>
      <image:title>Athos Insights - Blog - Optimizing Portfolios: Maximizing Returns while Minimizing Investment Risk - 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/v1/65bf0ae42f9968698f2fbf35/ee5a30f0-560e-4212-846a-4ed7768ec224/Efficient%2BFontier.png</image:loc>
      <image:title>Athos Insights - Blog - Optimizing Portfolios: Maximizing Returns while Minimizing Investment Risk - 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://athoswealth.com/athosinsights/category/Event+Highlights</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://athoswealth.com/athosinsights/category/Investing</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://athoswealth.com/athosinsights/category/Market+Minute</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://athoswealth.com/athosinsights/category/Planning</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://athoswealth.com/athosinsights/category/The+Economy</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://athoswealth.com/athosinsights/category/Investing+Principles</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://athoswealth.com/home</loc>
    <changefreq>daily</changefreq>
    <priority>1.0</priority>
    <lastmod>2026-03-10</lastmod>
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