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  <url>
    <loc>https://www.shellmaninvest.com/home</loc>
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    <lastmod>2025-10-28</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/61f7e4a220bd853c345484b2/7baf1674-fe27-4b2f-9dfe-79c1c98687fc/your-goals-inspire-ours.png</image:loc>
      <image:title>Shellman Invest - Haz que se destaque</image:title>
      <image:caption>Sea lo que sea, la manera en la que cuentes tu historia en línea puede marcar la diferencia.</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/61f7e4a220bd853c345484b2/71c0e806-eb48-4b5b-aed2-9e0229e9419b/team-play.jpg</image:loc>
      <image:title>Shellman Invest</image:title>
      <image:caption>We work to reduce unnecessary costs No one can predict which specific investment will generate the best returns tomorrow. What we do know is that investments that promise high returns have higher associated risk. While markets are uncertain, taxes and fees are not. At Shellman Invest, we focus on net returns and minimize unnecessary fees. We do not receive any compensation from banks or product providers, which gives us the independence to find the most cost-effective solutions for our clients.</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/61f7e4a220bd853c345484b2/4ad959eb-23bf-41bf-936b-b4c6383e9506/Good+bye+doubts.jpg</image:loc>
      <image:title>Shellman Invest</image:title>
      <image:caption>We help you understand and manage investment risk Our goal is to help you understand the risks you must take to grow your capital and diversify away unnecessary risk. The one unavoidable risk for all investors is the risk of a drop in portfolio values due to short term price movements. We manage this risk by helping you understand how different portfolios can vary over time and decide how much price variation you are willing and able to assume.</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/61f7e4a220bd853c345484b2/4d5fcb69-d92a-4748-b784-05638f70f620/together.jpg</image:loc>
      <image:title>Shellman Invest</image:title>
      <image:caption>We believe in the power of partnerships Investing is complex. There are many moving pieces that need to be managed and monitored. At Shellman Invest, we focus on the strategic asset allocation and choosing “best in class” asset managers to make the individual investment decisions. We work with managers whose business practices and investment philosophy are aligned with our own.</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/61f7e4a220bd853c345484b2/a47e236f-c60b-4341-82da-5fa18cf6d75a/consistency.jpg</image:loc>
      <image:title>Shellman Invest - We focus on the long term</image:title>
      <image:caption>Investment returns have two components: the real return which are the cash flows that companies share with investors via dividends or interest and the speculative return, which are due to short term price movements and reflect the “mood” of the market. We believe that focusing on long term real returns and ignoring short term fluctuations is critical to long term capital growth.</image:caption>
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  </url>
  <url>
    <loc>https://www.shellmaninvest.com/contact</loc>
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    <priority>0.75</priority>
    <lastmod>2022-03-03</lastmod>
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      <image:title>Contact - Haz que se destaque</image:title>
      <image:caption>Sea lo que sea, la manera en la que cuentes tu historia en línea puede marcar la diferencia.</image:caption>
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  </url>
  <url>
    <loc>https://www.shellmaninvest.com/our-team</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2023-04-12</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/61f7e4a220bd853c345484b2/7baf1674-fe27-4b2f-9dfe-79c1c98687fc/your-goals-inspire-ours.png</image:loc>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/61f7e4a220bd853c345484b2/362983cb-f810-4d10-b682-6456a59c3af7/stephanie+%282%29.jpg</image:loc>
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  </url>
  <url>
    <loc>https://www.shellmaninvest.com/meet-our-founder</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2023-04-12</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61f7e4a220bd853c345484b2/e8102abe-3219-4b0c-829a-19b5cd0601e6/Captura+de+Pantalla+2022-02-14+a+la%28s%29+14.07.35.jpg</image:loc>
      <image:title>Stephanie´s story</image:title>
      <image:caption>“Being transparent in a world where everything is hidden is hard. It´s a road less traveled. But I go to sleep every night, knowing that we tell the truth to our clients who have confided their future in us”.</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/61f7e4a220bd853c345484b2/7c6f9155-f69c-4321-82af-2e5d37733357/Captura+de+Pantalla+2022-02-14+a+la%28s%29+13.59.07.jpg</image:loc>
      <image:title>Stephanie´s story</image:title>
      <image:caption>Stephanie's privileged education in Aspen allowed her to apply to the best universities, all far away from her home town. “My friends wanted to go to big-name universities like Harvard, Yale, or Princeton. But, I had my heart set on a small women’s college outside of Boston, Wellesley College.” In attending Wellesley, Stephanie followed in the steps of such leaders like Hillary Clinton and Madeleine Albright and renowned journalists, authors, actresses, astronauts, and scientists.</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/61f7e4a220bd853c345484b2/00757506-78a1-4459-9304-b64ad991cd69/Captura+de+Pantalla+2022-02-14+a+la%28s%29+14.05.08.jpg</image:loc>
      <image:title>Stephanie´s story</image:title>
      <image:caption>“My father taught me to do the right thing, even when no one was looking. To me, I would have been lying if I did what what every one else was doing at the time .”</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/61f7e4a220bd853c345484b2/deefdd57-e6df-43f7-8b01-8dffd3244474/Captura+de+Pantalla+2022-02-14+a+la%28s%29+09.32.16.png</image:loc>
      <image:title>Stephanie´s story - Haz que se destaque</image:title>
      <image:caption>Sea lo que sea, la manera en la que cuentes tu historia en línea puede marcar la diferencia.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61f7e4a220bd853c345484b2/2de17b5e-f0bd-4647-abe9-5385adcbbc3f/Captura+de+Pantalla+2022-02-14+a+la%28s%29+14.10.13.png</image:loc>
      <image:title>Stephanie´s story</image:title>
      <image:caption>“We don´t know what future will bring. But money, having enough, is important. It lets us choose how we want to live and follow our own road less travelled”.</image:caption>
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  </url>
  <url>
    <loc>https://www.shellmaninvest.com/our-values</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2023-04-12</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61f7e4a220bd853c345484b2/381d6be6-706b-404a-8063-31b5487c2609/helping+others.jpg</image:loc>
      <image:title>What We Believe - We exist to improve the lives of our clients</image:title>
      <image:caption>We work everyday to earn their trust and we actively think about the consequences of our decisions and actions on their lives. We are transparent and tell the truth.</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/61f7e4a220bd853c345484b2/56aa7c33-56d2-474b-a7e6-b40b3d1009da/ill+get+there.jpg</image:loc>
      <image:title>What We Believe - We care for each other</image:title>
      <image:caption>We celebrate our differences and respect each others points of view. We help each other grow as people and professionals. We hold ourselves and each other accountable.</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/61f7e4a220bd853c345484b2/b2051b8a-a31e-46c7-be52-f64e7eb5e72a/closer+.jpg</image:loc>
      <image:title>What We Believe - We build our vision of the future together</image:title>
      <image:caption>We bring our best selves to work. We think big but start small. We embrace and drive on-going change. We challenge the norms and push boundaries.</image:caption>
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  </url>
  <url>
    <loc>https://www.shellmaninvest.com/our-company</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2023-04-12</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/61f7e4a220bd853c345484b2/1a1f7c0f-91b4-4a97-bc19-879dc6554047/Mesa+de+trabajo+2.jpg</image:loc>
      <image:title>Our Company - Haz que se destaque</image:title>
      <image:caption>Sea lo que sea, la manera en la que cuentes tu historia en línea puede marcar la diferencia.</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/61f7e4a220bd853c345484b2/1646236163002-7E4W8ICTI8UDJE2G2SEH/LOGOS-02.png</image:loc>
      <image:title>Our Company</image:title>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/61f7e4a220bd853c345484b2/1646236177924-RXPX06281YU3D0P8ZU0C/LOGOS-01.png</image:loc>
      <image:title>Our Company</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.shellmaninvest.com/who-we-serve</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2022-03-07</lastmod>
  </url>
  <url>
    <loc>https://www.shellmaninvest.com/how-we-invest</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2022-03-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61f7e4a220bd853c345484b2/6beb82ec-870e-4f51-9e09-7bec70bff8b3/mission.jpg</image:loc>
      <image:title>How we invest - Strategic Asset Allocation</image:title>
      <image:caption>We develop strategic asset allocations with different projected return and volatility levels. We redo the asset allocations annually.</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/61f7e4a220bd853c345484b2/9e0e92eb-efec-4fe5-b442-a8d9ef474d3d/love+see.jpg</image:loc>
      <image:title>How we invest - “Best of Class” fund selection</image:title>
      <image:caption>We evaluate the available universe of mutual funds and ETFS and pick the fund or funds per asset class which we consider to have the best chance of outperformance.</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/61f7e4a220bd853c345484b2/bad702cb-a0a7-46ac-a9bd-9f0241ad3613/we+are+all+going+to+the+same+place.jpg</image:loc>
      <image:title>How we invest - Personal Portfolio Definition</image:title>
      <image:caption>We apply the appropriate portfolio to each client based on the individual risk tolerance, as documented in the Investor Profile.</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/61f7e4a220bd853c345484b2/02a8a521-83d5-4819-9b65-dfc2d11eb344/bridge.jpg</image:loc>
      <image:title>How we invest - Model Portfolio Design</image:title>
      <image:caption>We combine our strategic asset allocation view and the best of class fund selection to develop our model portfolios.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.shellmaninvest.com/our-fees</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2022-03-03</lastmod>
  </url>
  <url>
    <loc>https://www.shellmaninvest.com/privacy-policy</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2022-03-07</lastmod>
  </url>
  <url>
    <loc>https://www.shellmaninvest.com/graph</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2022-03-04</lastmod>
  </url>
  <url>
    <loc>https://www.shellmaninvest.com/regulatory-disclosures</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2023-04-12</lastmod>
  </url>
  <url>
    <loc>https://www.shellmaninvest.com/pgina-nueva</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2022-12-02</lastmod>
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  </url>
  <url>
    <loc>https://www.shellmaninvest.com/regulatory-disclosures-test</loc>
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    <lastmod>2023-04-26</lastmod>
  </url>
  <url>
    <loc>https://www.shellmaninvest.com/chat</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2024-10-11</lastmod>
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