<?xml version='1.0' encoding='UTF-8'?><urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9" xmlns:video="http://www.google.com/schemas/sitemap-video/1.1" xmlns:image="http://www.google.com/schemas/sitemap-image/1.1"><url><loc>https://blog.vergercapital.com/news/jim-dunn-featured-on-capital-allocators-ai-and-the-future-of-non-profit-investment-strategies</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Jim%20Dunn%20on%20Capital%20Allocators.jpg</image:loc><image:caption>Jim Dunn on Capital Allocators</image:caption><image:title>Jim Dunn on Capital Allocators</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><lastmod>2021-09-22</lastmod></url><url><loc>https://blog.vergercapital.com/news-and-insights/2024-q3-market-outlook-for-non-profit-investment-management</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Q3%2024%20Chart%204.png</image:loc><image:caption>Q3 24 Chart 4</image:caption><image:title>Q3 24 Chart 4</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Q3%2024%20Chart%201.png</image:loc><image:caption>Q3 24 Chart 1</image:caption><image:title>Q3 24 Chart 1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Verger-Marketing_Commentary-graphic-v2%20(1).png</image:loc><image:caption>Verger-Marketing_Commentary-graphic-v2 (1)</image:caption><image:title>Verger-Marketing_Commentary-graphic-v2 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Q3%2024%20Chart%203.png</image:loc><image:caption>Q3 24 Chart 3</image:caption><image:title>Q3 24 Chart 3</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Q3%2024%20Chart%202.png</image:loc><image:caption>Q3 24 Chart 2</image:caption><image:title>Q3 24 Chart 2</image:title></image:image><lastmod>2024-10-16</lastmod></url><url><loc>https://blog.vergercapital.com/news-and-insights/2025-q3-market-outlook-an-image-of-resilience</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Q3%202025%20Image%204.jpg</image:loc><image:caption>Q3 2025 Image 4</image:caption><image:title>Q3 2025 Image 4</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Q3%202025%20Image%205.jpg</image:loc><image:caption>Q3 2025 Image 5</image:caption><image:title>Q3 2025 Image 5</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Q3%2025%20Market%20Outlook%20Image.png</image:loc><image:caption>Q3 25 Market Outlook Image</image:caption><image:title>Q3 25 Market Outlook Image</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Q3%202025%20Image%201.jpg</image:loc><image:caption>Q3 2025 Image 1</image:caption><image:title>Q3 2025 Image 1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Q3%202025%20Image%202.jpg</image:loc><image:caption>Q3 2025 Image 2</image:caption><image:title>Q3 2025 Image 2</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Q3%202025%20Image%203.jpg</image:loc><image:caption>Q3 2025 Image 3</image:caption><image:title>Q3 2025 Image 3</image:title></image:image><lastmod>2025-10-23</lastmod></url><url><loc>https://blog.vergercapital.com/news/verger-welcomes-michael-collins-managing-director-client-development</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Mike%20Collins%20Announcement.png</image:loc><image:caption>Mike Collins Announcement</image:caption><image:title>Mike Collins Announcement</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><lastmod>2023-02-07</lastmod></url><url><loc>https://blog.vergercapital.com/news/verger-welcomes-madison-moses-to-investment-team</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Madison-Moses.jpg</image:loc><image:caption>Madison-Moses</image:caption><image:title>Madison-Moses</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><lastmod>2021-08-19</lastmod></url><url><loc>https://blog.vergercapital.com/news/jim-dunn-2024-power-list</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Jim%20Dunn%20Power%20List%202024.png</image:loc><image:caption>Jim Dunn Power List 2024</image:caption><image:title>Jim Dunn Power List 2024</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><lastmod>2024-05-28</lastmod></url><url><loc>https://blog.vergercapital.com/news/2025-nboa-annual-meeting-highlights-impact</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/NBOA%202025%20Gives%20Back.jpg</image:loc><image:caption>NBOA 2025 Gives Back</image:caption><image:title>NBOA 2025 Gives Back</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/2025%20NBOA%20-%20Verger%20Gives%20Back.jpg</image:loc><image:caption>2025 NBOA - Verger Gives Back</image:caption><image:title>2025 NBOA - Verger Gives Back</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/NBOA%202025%20-%20Verger%20Meeting%20at%20Conference%20Booth.jpg</image:loc><image:caption>NBOA 2025 - Verger Meeting at Conference Booth</image:caption><image:title>NBOA 2025 - Verger Meeting at Conference Booth</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/NBOA%202025%20-%20Verger%20at%20the%20Booth.jpg</image:loc><image:caption>NBOA 2025 - Verger at the Booth</image:caption><image:title>NBOA 2025 - Verger at the Booth</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Good_Foundation_Logo.png</image:loc><image:caption>Good_Foundation_Logo</image:caption><image:title>Good_Foundation_Logo</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Verger-NBOA%20blog%20image-2025.png</image:loc><image:caption>Verger-NBOA blog image-2025</image:caption><image:title>Verger-NBOA blog image-2025</image:title></image:image><lastmod>2025-03-13</lastmod></url><url><loc>https://blog.vergercapital.com/news/inge-smith-leadership-winston-salem</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Celbration%202023_165.jpg</image:loc><image:caption>Celbration 2023_165</image:caption><image:title>Celbration 2023_165</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/LWS%20Graduation.png</image:loc><image:caption>LWS Graduation</image:caption><image:title>LWS Graduation</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><lastmod>2023-07-08</lastmod></url><url><loc>https://blog.vergercapital.com/news-and-insights/the-esg-information-ecosystem</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/ESGWhitepaper-PromoGraphic.png</image:loc><image:caption>ESGWhitepaper-PromoGraphic</image:caption><image:title>ESGWhitepaper-PromoGraphic</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><lastmod>2022-11-30</lastmod></url><url><loc>https://blog.vergercapital.com/news-and-insights/2022-q3-market-outlook-for-non-profit-investment-management</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Average%20Annualized%20Real%20Return%20During%20Inflationary%20Periods_8-1.png</image:loc><image:caption>Average Annualized Real Return During Inflationary Periods_8-1</image:caption><image:title>Average Annualized Real Return During Inflationary Periods_8-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Drawdown%20total%20market%20cap.jpg</image:loc><image:caption>Drawdown total market cap</image:caption><image:title>Drawdown total market cap</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Morning%20Brew_11.jpg</image:loc><image:caption>Morning Brew_11</image:caption><image:title>Morning Brew_11</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Image%202.jpg</image:loc><image:caption>Image 2</image:caption><image:title>Image 2</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Price%20to%20Earnings%20Ratio_6.jpg</image:loc><image:caption>Price to Earnings Ratio_6</image:caption><image:title>Price to Earnings Ratio_6</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Verger-Marketing_Commentary-graphic-v2%20(1).png</image:loc><image:caption>Verger-Marketing_Commentary-graphic-v2 (1)</image:caption><image:title>Verger-Marketing_Commentary-graphic-v2 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Average%20US%20Mortgage%20Payments%202000-2022_7.jpg</image:loc><image:caption>Average US Mortgage Payments 2000-2022_7</image:caption><image:title>Average US Mortgage Payments 2000-2022_7</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/2022%20Q3%20Index%20Returns_1.jpg</image:loc><image:caption>2022 Q3 Index Returns_1</image:caption><image:title>2022 Q3 Index Returns_1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Annual%2060%2040%20Portfolio%20Performance_4.jpg</image:loc><image:caption>Annual 60 40 Portfolio Performance_4</image:caption><image:title>Annual 60 40 Portfolio Performance_4</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Resouce%20Sector_10.jpg</image:loc><image:caption>Resouce Sector_10</image:caption><image:title>Resouce Sector_10</image:title></image:image><lastmod>2024-03-19</lastmod></url><url><loc>https://blog.vergercapital.com/news-and-insights/celebrating-10-years-of-verger-2024-investor-conference-highlights</loc><video:video><video:thumbnail_loc>https://blog.vergercapital.com/hubfs/10%20Year%20Anniversary/Verger_10_Year_Celebration_Final%20Video%20(1080p).mp4/medium.jpg</video:thumbnail_loc><video:title>Verger_10_Year_Celebration_Final Video (1080p)</video:title><video:description>Verger_10_Year_Celebration_Final Video (1080p)</video:description><video:content_loc>https://blog.vergercapital.com/hubfs/10%20Year%20Anniversary/Verger_10_Year_Celebration_Final%20Video%20(1080p).mp4</video:content_loc><video:duration>313</video:duration><video:requires_subscription>no</video:requires_subscription><video:live>no</video:live></video:video><image:image><image:loc>https://blog.vergercapital.com/hubfs/2927_SP_033_WEB.jpg</image:loc><image:caption>2927_SP_033_WEB</image:caption><image:title>2927_SP_033_WEB</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/10%20Year%20Anniversary/2927_SP_089_WEB.jpg</image:loc><image:caption>2927_SP_089_WEB</image:caption><image:title>2927_SP_089_WEB</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/2914_002_WEB.jpg</image:loc><image:caption>2914_002_WEB</image:caption><image:title>2914_002_WEB</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/10%20Year%20Anniversary/2914_029_WEB.jpg</image:loc><image:caption>2914_029_WEB</image:caption><image:title>2914_029_WEB</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/10%20Year%20Anniversary/2927_SP_090_WEB.jpg</image:loc><image:caption>2927_SP_090_WEB</image:caption><image:title>2927_SP_090_WEB</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Verger%20Investor%20Conference%20Blog.png</image:loc><image:caption>Verger Investor Conference Blog</image:caption><image:title>Verger Investor Conference Blog</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/10%20Year%20Anniversary/2927_SP_013_WEB.jpg</image:loc><image:caption>2927_SP_013_WEB</image:caption><image:title>2927_SP_013_WEB</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/2914_131_WEB.jpg</image:loc><image:caption>2914_131_WEB</image:caption><image:title>2914_131_WEB</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/10%20Year%20Anniversary/2914_067_WEB.jpg</image:loc><image:caption>2914_067_WEB</image:caption><image:title>2914_067_WEB</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/10%20Year%20Anniversary/2927_SP_047_WEB.jpg</image:loc><image:caption>2927_SP_047_WEB</image:caption><image:title>2927_SP_047_WEB</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/10%20Year%20Anniversary/2914_165_WEB.jpg</image:loc><image:caption>2914_165_WEB</image:caption><image:title>2914_165_WEB</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><lastmod>2024-05-07</lastmod></url><url><loc>https://blog.vergercapital.com/news/verger-in-the-community-wfu-student-finance-and-investing-institute-2025</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Farrell%20Hall.jpeg</image:loc><image:caption>Farrell Hall</image:caption><image:title>Farrell Hall</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Jim%20with%20student.jpeg</image:loc><image:caption>Jim with student</image:caption><image:title>Jim with student</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Jim%20teaching%20class%201.jpeg</image:loc><image:caption>Jim teaching class 1</image:caption><image:title>Jim teaching class 1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Jim%20and%20Mike.jpeg</image:loc><image:caption>Jim and Mike</image:caption><image:title>Jim and Mike</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Verger%20in%20the%20Community_F&amp;I%20Institute%202025.png</image:loc><image:caption>Verger in the Community_F&amp;I Institute 2025</image:caption><image:title>Verger in the Community_F&amp;I Institute 2025</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><lastmod>2025-07-03</lastmod></url><url><loc>https://blog.vergercapital.com/news/2025-nboa-annual-meeting</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Jennifer%20Vaccaro%20LinkedIn%20Headshot.jpg</image:loc><image:caption>Jennifer Vaccaro LinkedIn Headshot</image:caption><image:title>Jennifer Vaccaro LinkedIn Headshot</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/NBOA%202025%20Annual%20Meeting(1).png</image:loc><image:caption>NBOA 2025 Annual Meeting(1)</image:caption><image:title>NBOA 2025 Annual Meeting(1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Mike%20Collins%20LinkedIn%20headshot.jpg</image:loc><image:caption>Mike Collins LinkedIn headshot</image:caption><image:title>Mike Collins LinkedIn headshot</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Liz%20Laughter%20LinkedIn%20headshot.jpg</image:loc><image:caption>Liz Laughter LinkedIn headshot</image:caption><image:title>Liz Laughter LinkedIn headshot</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><lastmod>2025-02-11</lastmod></url><url><loc>https://blog.vergercapital.com/news-and-insights/2022-q2-market-outlook-for-non-profit-investment-management-0</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/2%20Market%20Performance%202022.jpg</image:loc><image:caption>2 Market Performance 2022</image:caption><image:title>2 Market Performance 2022</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Verger-Marketing_Commentary-graphic-v2%20(1).png</image:loc><image:caption>Verger-Marketing_Commentary-graphic-v2 (1)</image:caption><image:title>Verger-Marketing_Commentary-graphic-v2 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/4%20Performance%20During%20Bear%20Markets.jpg</image:loc><image:caption>4 Performance During Bear Markets</image:caption><image:title>4 Performance During Bear Markets</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/6%20Fed%20NASDAQ%20During%20.Com%20Bubble.jpg</image:loc><image:caption>6 Fed NASDAQ During .Com Bubble</image:caption><image:title>6 Fed NASDAQ During .Com Bubble</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/1%20Market%20Review.jpg</image:loc><image:caption>1 Market Review</image:caption><image:title>1 Market Review</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/7%20Resource%20Equities%20Trade%20at%20Discounted%20Levels%201.jpg</image:loc><image:caption>7 Resource Equities Trade at Discounted Levels 1</image:caption><image:title>7 Resource Equities Trade at Discounted Levels 1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/8%20Russell%203000%20Zombies.jpg</image:loc><image:caption>8 Russell 3000 Zombies</image:caption><image:title>8 Russell 3000 Zombies</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/3%20US%20Debt%20Growth.jpg</image:loc><image:caption>3 US Debt Growth</image:caption><image:title>3 US Debt Growth</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><lastmod>2024-03-19</lastmod></url><url><loc>https://blog.vergercapital.com/news/verger-in-the-community-samaritan-ministries</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Lauren%20and%20Jim%20Ziti.jpg</image:loc><image:caption>Lauren and Jim Ziti</image:caption><image:title>Lauren and Jim Ziti</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Tricia%20&amp;%20Angie.jpg</image:loc><image:caption>Tricia &amp; Angie</image:caption><image:title>Tricia &amp; Angie</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Salad%20Prep.jpg</image:loc><image:caption>Salad Prep</image:caption><image:title>Salad Prep</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/IMG_2407.jpg</image:loc><image:caption>IMG_2407</image:caption><image:title>IMG_2407</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Verger%20team%20delivers%20meal-4.jpg</image:loc><image:caption>Verger team delivers meal-4</image:caption><image:title>Verger team delivers meal-4</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><lastmod>2022-11-30</lastmod></url><url><loc>https://blog.vergercapital.com/news/craig-thomas-named-co-cio</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Verger%20Appoints%20Craig%20Thomas%20Co-CIO.png</image:loc><image:caption>Verger Appoints Craig Thomas Co-CIO</image:caption><image:title>Verger Appoints Craig Thomas Co-CIO</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><lastmod>2022-09-14</lastmod></url><url><loc>https://blog.vergercapital.com/news/jim-dunn-100-women-in-finance-candid-conversations-with-cios</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Jim%20Dunn%20100%20Women%20in%20Finance.png</image:loc><image:caption>Jim Dunn 100 Women in Finance</image:caption><image:title>Jim Dunn 100 Women in Finance</image:title></image:image><lastmod>2021-09-23</lastmod></url><url><loc>https://blog.vergercapital.com/news-and-insights/private-investments-in-2023</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/image-png-1.png</image:loc><image:caption>image-png-1</image:caption><image:title>image-png-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/June%20Chart%20of%20the%20Month%20Cover%20Image.png</image:loc><image:caption>June Chart of the Month Cover Image</image:caption><image:title>June Chart of the Month Cover Image</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Imported%20sitepage%20images/cod-privatemarkets-ex3-ag.gif</image:loc><image:caption>cod-privatemarkets-ex3-ag</image:caption><image:title>cod-privatemarkets-ex3-ag</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><lastmod>2023-06-23</lastmod></url><url><loc>https://blog.vergercapital.com/news-and-insights/engagement-in-action-verger-partners-with-climate-vault</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/CV%20Blog%20logo.jpg</image:loc><image:caption>CV Blog logo</image:caption><image:title>CV Blog logo</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><lastmod>2023-05-16</lastmod></url><url><loc>https://blog.vergercapital.com/news/inge-smith-receives-winston-under-40-leadership-award</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/BRD_5166.jpg</image:loc><image:caption>BRD_5166</image:caption><image:title>BRD_5166</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/BRD_4797.jpg</image:loc><image:caption>BRD_4797</image:caption><image:title>BRD_4797</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/BRD_4672.jpg</image:loc><image:caption>BRD_4672</image:caption><image:title>BRD_4672</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Winston%20Under%2040%202023%20Leadership%20Award%20Recipients.png</image:loc><image:caption>Winston Under 40 2023 Leadership Award Recipients</image:caption><image:title>Winston Under 40 2023 Leadership Award Recipients</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/BRD_4804.jpg</image:loc><image:caption>BRD_4804</image:caption><image:title>BRD_4804</image:title></image:image><lastmod>2023-10-19</lastmod></url><url><loc>https://blog.vergercapital.com/news/jim-dunn-on-leadership-management-for-capital-allocators-university</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Capital%20Allocators%20University%20on%20Leadership%20&amp;%20Management.png</image:loc><image:caption>Capital Allocators University on Leadership &amp; Management</image:caption><image:title>Capital Allocators University on Leadership &amp; Management</image:title></image:image><lastmod>2021-10-07</lastmod></url><url><loc>https://blog.vergercapital.com/news-and-insights/mentorship-at-verger</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/IMG_3527.jpeg</image:loc><image:caption>IMG_3527</image:caption><image:title>IMG_3527</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Mentoring%20Monday.png</image:loc><image:caption>Mentoring Monday</image:caption><image:title>Mentoring Monday</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/COT%20and%20Girls%20Who%20Invest-2-1.jpg</image:loc><image:caption>COT and Girls Who Invest-2-1</image:caption><image:title>COT and Girls Who Invest-2-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/IMG_5699.jpeg</image:loc><image:caption>IMG_5699</image:caption><image:title>IMG_5699</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Kevin%2c%20Jim%2c%20Chase%20Summer%202022.jpg</image:loc><image:caption>Kevin, Jim, Chase Summer 2022</image:caption><image:title>Kevin, Jim, Chase Summer 2022</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Mentoring%20at%20Verger%202025.png</image:loc><image:caption>Mentoring at Verger 2025</image:caption><image:title>Mentoring at Verger 2025</image:title></image:image><lastmod>2025-04-04</lastmod></url><url><loc>https://blog.vergercapital.com/news/verger-intern-spotlight-fall-2023</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Sung%2c%20Nicole%202023%20fall.jpg</image:loc><image:caption>Sung, Nicole 2023 fall</image:caption><image:title>Sung, Nicole 2023 fall</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Sullivan%2c%20Megan%202023%20fall-1.png</image:loc><image:caption>Sullivan, Megan 2023 fall-1</image:caption><image:title>Sullivan, Megan 2023 fall-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Fall%202023%20Intern%20Spotlight.png</image:loc><image:caption>Fall 2023 Intern Spotlight</image:caption><image:title>Fall 2023 Intern Spotlight</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Crocker%2c%20Alyssa%202023%20fall.jpg</image:loc><image:caption>Crocker, Alyssa 2023 fall</image:caption><image:title>Crocker, Alyssa 2023 fall</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><lastmod>2025-03-24</lastmod></url><url><loc>https://blog.vergercapital.com/news/verger-womens-leadership-initiative-fall-event</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Pat%20Sweeney%20Developing-a-Personal-Leadership-Philosophy.jpg</image:loc><image:caption>Pat Sweeney Developing-a-Personal-Leadership-Philosophy</image:caption><image:title>Pat Sweeney Developing-a-Personal-Leadership-Philosophy</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/VWLI%20Blog%20Post%20Cover%20Image.png</image:loc><image:caption>VWLI Blog Post Cover Image</image:caption><image:title>VWLI Blog Post Cover Image</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><lastmod>2025-03-24</lastmod></url><url><loc>https://blog.vergercapital.com/news/craig-thomas-allocators-edge-podcast</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Craig%20Thomas%20Valure%20Perspective%20Button.png</image:loc><image:caption>Craig Thomas Valure Perspective Button</image:caption><image:title>Craig Thomas Valure Perspective Button</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Craig%20Thomas%20Valure%20Perspective%20Podcast%20.png</image:loc><image:caption>Craig Thomas Valure Perspective Podcast </image:caption><image:title>Craig Thomas Valure Perspective Podcast </image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><lastmod>2025-03-27</lastmod></url><url><loc>https://blog.vergercapital.com/news/welcome-new-board-members</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/verger-Critical_Questions-cover.png</image:loc><image:caption>verger-Critical_Questions-cover</image:caption><image:title>verger-Critical_Questions-cover</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/New%20Verger%20Board%20Members%202024.png</image:loc><image:caption>New Verger Board Members 2024</image:caption><image:title>New Verger Board Members 2024</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><lastmod>2024-07-22</lastmod></url><url><loc>https://blog.vergercapital.com/news/verger-welcomes-miranda-edwards</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Miranda%20Edwards%20Announcement.png</image:loc><image:caption>Miranda Edwards Announcement</image:caption><image:title>Miranda Edwards Announcement</image:title></image:image><lastmod>2023-09-29</lastmod></url><url><loc>https://blog.vergercapital.com/news/verger-investor-conference-2022-key-highlights-and-takeaways</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Verger%20Investor%20Conference%20recap-1.png</image:loc><image:caption>Verger Investor Conference recap-1</image:caption><image:title>Verger Investor Conference recap-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/DSC_6264.jpg</image:loc><image:caption>DSC_6264</image:caption><image:title>DSC_6264</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Face%20to%20Face%20Bush_Meacham.jpg</image:loc><image:caption>Face to Face Bush_Meacham</image:caption><image:title>Face to Face Bush_Meacham</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/DSC_6376.jpg</image:loc><image:caption>DSC_6376</image:caption><image:title>DSC_6376</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/DSC_6186.jpg</image:loc><image:caption>DSC_6186</image:caption><image:title>DSC_6186</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><lastmod>2025-03-24</lastmod></url><url><loc>https://blog.vergercapital.com/news/year-end-reflections-2021</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Year%20End%20Reflection%20image-1.png</image:loc><image:caption>Year End Reflection image-1</image:caption><image:title>Year End Reflection image-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><lastmod>2021-12-29</lastmod></url><url><loc>https://blog.vergercapital.com/news/verger-gips-compliance-leadership</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/1%20GIPS.png</image:loc><image:caption>1 GIPS</image:caption><image:title>1 GIPS</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/01-Tricia%20Walker%20GIPS.jpg</image:loc><image:caption>01-Tricia Walker GIPS</image:caption><image:title>01-Tricia Walker GIPS</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Verger%20GIPS%20Leadership.png</image:loc><image:caption>Verger GIPS Leadership</image:caption><image:title>Verger GIPS Leadership</image:title></image:image><lastmod>2023-11-22</lastmod></url><url><loc>https://blog.vergercapital.com/news/verger-nominated-for-outsourced-investor-of-the-year</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><lastmod>2023-04-10</lastmod></url><url><loc>https://blog.vergercapital.com/news/verger-promotes-miranda-edwards-to-operations-associate</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Miranda%20Edwards%20Promotion%202026%20News.png</image:loc><image:caption>Miranda Edwards Promotion 2026 News</image:caption><image:title>Miranda Edwards Promotion 2026 News</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><lastmod>2026-01-09</lastmod></url><url><loc>https://blog.vergercapital.com/news-and-insights/2024-q4-market-outlook-for-non-profit-investment-management</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Q4%202024%20Image%203.png</image:loc><image:caption>Q4 2024 Image 3</image:caption><image:title>Q4 2024 Image 3</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Q4%202024%20Image%204.png</image:loc><image:caption>Q4 2024 Image 4</image:caption><image:title>Q4 2024 Image 4</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Q4%202024%20Image%205.png</image:loc><image:caption>Q4 2024 Image 5</image:caption><image:title>Q4 2024 Image 5</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Q4%202024%20Image%201.png</image:loc><image:caption>Q4 2024 Image 1</image:caption><image:title>Q4 2024 Image 1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Q4%202024%20Image%206.png</image:loc><image:caption>Q4 2024 Image 6</image:caption><image:title>Q4 2024 Image 6</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Q4%202024%20Image%202.png</image:loc><image:caption>Q4 2024 Image 2</image:caption><image:title>Q4 2024 Image 2</image:title></image:image><lastmod>2025-01-28</lastmod></url><url><loc>https://blog.vergercapital.com/news/a-message-from-verger-march-20-2020-managing-through-volatility</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Understanding%20OCIO%20Blog%20Banner%20resize.png</image:loc><image:caption>Understanding OCIO Blog Banner resize</image:caption><image:title>Understanding OCIO Blog Banner resize</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><lastmod>2025-04-09</lastmod></url><url><loc>https://blog.vergercapital.com/news-and-insights/2024-year-end-reflections-jim-dunn</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/2024%20Holiday%20Letter%20Blog%20Cover(1).png</image:loc><image:caption>2024 Holiday Letter Blog Cover(1)</image:caption><image:title>2024 Holiday Letter Blog Cover(1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/JJD%20Signature.jpg</image:loc><image:caption>JJD Signature</image:caption><image:title>JJD Signature</image:title></image:image><lastmod>2025-03-24</lastmod></url><url><loc>https://blog.vergercapital.com/news/gips-compliance</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Verger-Update-Covid-19.jpg</image:loc><image:caption>Verger-Update-Covid-19</image:caption><image:title>Verger-Update-Covid-19</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><lastmod>2021-08-19</lastmod></url><url><loc>https://blog.vergercapital.com/news/verger-womens-leadership-initiative-summer-speaker-series</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Tiffany%20Blog%20image.png</image:loc><image:caption>Tiffany Blog image</image:caption><image:title>Tiffany Blog image</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/VWLI%20Blog%20Post%20Cover%20Image.png</image:loc><image:caption>VWLI Blog Post Cover Image</image:caption><image:title>VWLI Blog Post Cover Image</image:title></image:image><lastmod>2021-11-23</lastmod></url><url><loc>https://blog.vergercapital.com/news/verger-intern-spotlight-spring-2024</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Clark%2c%20Nick%20-%202023%20spring.png</image:loc><image:caption>Clark, Nick - 2023 spring</image:caption><image:title>Clark, Nick - 2023 spring</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Verger%20Spring%202024%20Intern%20Spotlight.png</image:loc><image:caption>Verger Spring 2024 Intern Spotlight</image:caption><image:title>Verger Spring 2024 Intern Spotlight</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Clare%20Kingsley%202024.jpg</image:loc><image:caption>Clare Kingsley 2024</image:caption><image:title>Clare Kingsley 2024</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Spring%20Interns%202024.jpg</image:loc><image:caption>Spring Interns 2024</image:caption><image:title>Spring Interns 2024</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Ferjentsik%2c%20Andrew%20-%202023%20spring.png</image:loc><image:caption>Ferjentsik, Andrew - 2023 spring</image:caption><image:title>Ferjentsik, Andrew - 2023 spring</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Spring%20Interns%202024%203.jpg</image:loc><image:caption>Spring Interns 2024 3</image:caption><image:title>Spring Interns 2024 3</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Nick%20and%20Clare%20at%20April%2011%20Celebration.jpg</image:loc><image:caption>Nick and Clare at April 11 Celebration</image:caption><image:title>Nick and Clare at April 11 Celebration</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Kingsley%2c%20Clare%202024.png</image:loc><image:caption>Kingsley, Clare 2024</image:caption><image:title>Kingsley, Clare 2024</image:title></image:image><lastmod>2024-05-23</lastmod></url><url><loc>https://blog.vergercapital.com/news/craig-thomas-promoted-to-cio</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/COT%20CIO%20Announcement%20Image.png</image:loc><image:caption>COT CIO Announcement Image</image:caption><image:title>COT CIO Announcement Image</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/DSC09740.jpg</image:loc><image:caption>DSC09740</image:caption><image:title>DSC09740</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><lastmod>2023-07-13</lastmod></url><url><loc>https://blog.vergercapital.com/news/verger-in-the-community-the-kyndall-project</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Kyndall%20Project%20Verger%20Team.png</image:loc><image:caption>Kyndall Project Verger Team</image:caption><image:title>Kyndall Project Verger Team</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Kyndall%20Project%20photo.webp</image:loc><image:caption>Kyndall Project photo</image:caption><image:title>Kyndall Project photo</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><lastmod>2022-08-26</lastmod></url><url><loc>https://blog.vergercapital.com/news-and-insights/governance-best-practices-for-nonprofits</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Non-Profit%20Board%20Governance.png</image:loc><image:caption>Non-Profit Board Governance</image:caption><image:title>Non-Profit Board Governance</image:title></image:image><lastmod>2022-07-01</lastmod></url><url><loc>https://blog.vergercapital.com/news/verger-in-the-community-face-to-face-speaker-forum-season-3</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Face%20to%20Face%20Season%203%20cover%20image.png</image:loc><image:caption>Face to Face Season 3 cover image</image:caption><image:title>Face to Face Season 3 cover image</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><lastmod>2025-09-17</lastmod></url><url><loc>https://blog.vergercapital.com/news/verger-womens-leadership-initiative-launches-speaker-series</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Good%20Guys.png</image:loc><image:caption>Good Guys</image:caption><image:title>Good Guys</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/VWLI%20Blog%20Post%20Cover%20Image.png</image:loc><image:caption>VWLI Blog Post Cover Image</image:caption><image:title>VWLI Blog Post Cover Image</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><lastmod>2021-08-19</lastmod></url><url><loc>https://blog.vergercapital.com/news/verger-sponsors-reynolda-house-exhibit</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Smith%20&amp;%20Libby%20Exhibit.png</image:loc><image:caption>Smith &amp; Libby Exhibit</image:caption><image:title>Smith &amp; Libby Exhibit</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><lastmod>2023-09-21</lastmod></url><url><loc>https://blog.vergercapital.com/news/verger-welcomes-jennifer-vaccaro</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Verger%20Welcomes%20Jennifer%20Vaccaro.png</image:loc><image:caption>Verger Welcomes Jennifer Vaccaro</image:caption><image:title>Verger Welcomes Jennifer Vaccaro</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><lastmod>2024-11-18</lastmod></url><url><loc>https://blog.vergercapital.com/news/march-31-2020-responses-to-key-questions</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Responses-to-Key-Questions.jpg</image:loc><image:caption>Responses-to-Key-Questions</image:caption><image:title>Responses-to-Key-Questions</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><lastmod>2025-04-09</lastmod></url><url><loc>https://blog.vergercapital.com/news/verger-intern-spotlight-summer-2023</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Summer%202023%20Intern%20Spotlight.png</image:loc><image:caption>Summer 2023 Intern Spotlight</image:caption><image:title>Summer 2023 Intern Spotlight</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Ethan%20H-1.jpg</image:loc><image:caption>Ethan H-1</image:caption><image:title>Ethan H-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Pirmin%20B-1.jpg</image:loc><image:caption>Pirmin B-1</image:caption><image:title>Pirmin B-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Massie%20F.jpg</image:loc><image:caption>Massie F</image:caption><image:title>Massie F</image:title></image:image><lastmod>2023-08-09</lastmod></url><url><loc>https://blog.vergercapital.com/news/ocio-operations-team-spotlight</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Operations%20Team%20Spotlight.png</image:loc><image:caption>Operations Team Spotlight</image:caption><image:title>Operations Team Spotlight</image:title></image:image><lastmod>2025-09-11</lastmod></url><url><loc>https://blog.vergercapital.com/news-and-insights/private-investments-non-profits</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Video%20PI%20for%20Non-Profits%20(1).png</image:loc><image:caption>Video PI for Non-Profits (1)</image:caption><image:title>Video PI for Non-Profits (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><lastmod>2021-11-16</lastmod></url><url><loc>https://blog.vergercapital.com/news/intern-spotlight-brennan-saul</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Intern%20Spotlight%20Brennan.png</image:loc><image:caption>Intern Spotlight Brennan</image:caption><image:title>Intern Spotlight Brennan</image:title></image:image><lastmod>2021-08-19</lastmod></url><url><loc>https://blog.vergercapital.com/news-and-insights/from-the-desk-of-craig-thomas-2025-fiscal-year-end-review</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Craig%20Thomas%202025%20CIO%20Letter.png</image:loc><image:caption>Craig Thomas 2025 CIO Letter</image:caption><image:title>Craig Thomas 2025 CIO Letter</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Craig%20Signature.png</image:loc><image:caption>Craig Signature</image:caption><image:title>Craig Signature</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/_AED2232.jpg</image:loc><image:caption>_AED2232</image:caption><image:title>_AED2232</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><lastmod>2025-08-11</lastmod></url><url><loc>https://blog.vergercapital.com/news-and-insights/2026-q2-market-review-outlook-class-is-in-session</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Q2%20image%206.jpg</image:loc><image:caption>Q2 image 6</image:caption><image:title>Q2 image 6</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Q2%20image%204.jpg</image:loc><image:caption>Q2 image 4</image:caption><image:title>Q2 image 4</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Q2%20image%202.jpg</image:loc><image:caption>Q2 image 2</image:caption><image:title>Q2 image 2</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/2026%20Q2%20Market%20Review%20Blog%20Cover.png</image:loc><image:caption>2026 Q2 Market Review Blog Cover</image:caption><image:title>2026 Q2 Market Review Blog Cover</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Q2%20image%203.jpg</image:loc><image:caption>Q2 image 3</image:caption><image:title>Q2 image 3</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Q2%20image%205.jpg</image:loc><image:caption>Q2 image 5</image:caption><image:title>Q2 image 5</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Q2%20image%201.jpg</image:loc><image:caption>Q2 image 1</image:caption><image:title>Q2 image 1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><lastmod>2026-07-21</lastmod></url><url><loc>https://blog.vergercapital.com/news-and-insights/ten-years-a-beginning</loc><video:video><video:thumbnail_loc>https://blog.vergercapital.com/hubfs/Verger_Ten%20Years_LinkedIn%20Videos%20(1).mp4/medium.jpg</video:thumbnail_loc><video:title>Verger_Ten Years_LinkedIn Videos (1)</video:title><video:description>Verger_Ten Years_LinkedIn Videos (1)</video:description><video:content_loc>https://blog.vergercapital.com/hubfs/Verger_Ten%20Years_LinkedIn%20Videos%20(1).mp4</video:content_loc><video:duration>35</video:duration><video:requires_subscription>no</video:requires_subscription><video:live>no</video:live></video:video><image:image><image:loc>https://blog.vergercapital.com/hubfs/Blog%20Header_What%20makes%20us%20great.jpg</image:loc><image:caption>Blog Header_What makes us great</image:caption><image:title>Blog Header_What makes us great</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><lastmod>2024-10-15</lastmod></url><url><loc>https://blog.vergercapital.com/news-and-insights/verger-2024-annual-report</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Verger-Annual%20Report-blog-graphic@1x.png</image:loc><image:caption>Verger-Annual Report-blog-graphic@1x</image:caption><image:title>Verger-Annual Report-blog-graphic@1x</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Verger%20Annual%20philanthropy%20Report%20-%202024%20-%20Cover%20Image.jpg</image:loc><image:caption>Verger Annual philanthropy Report - 2024 - Cover Image</image:caption><image:title>Verger Annual philanthropy Report - 2024 - Cover Image</image:title></image:image><lastmod>2025-02-12</lastmod></url><url><loc>https://blog.vergercapital.com/news/jim-dunn-named-to-business-north-carolinas-2026-power-list</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Jim%20Dunn%20Power%20List%202026.png</image:loc><image:caption>Jim Dunn Power List 2026</image:caption><image:title>Jim Dunn Power List 2026</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><lastmod>2026-05-26</lastmod></url><url><loc>https://blog.vergercapital.com/news/2024-river-run-film-sponsor</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Verger%20RiverRun%20Sponsorship%20Cover%20Image.png</image:loc><image:caption>Verger RiverRun Sponsorship Cover Image</image:caption><image:title>Verger RiverRun Sponsorship Cover Image</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/River%20Run%20Screening.jpg</image:loc><image:caption>River Run Screening</image:caption><image:title>River Run Screening</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/RiverRun%204.jpg</image:loc><image:caption>RiverRun 4</image:caption><image:title>RiverRun 4</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/RiverRun%201.jpg</image:loc><image:caption>RiverRun 1</image:caption><image:title>RiverRun 1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Through%20the%20Lines%20Documentary.jpg</image:loc><image:caption>Through the Lines Documentary</image:caption><image:title>Through the Lines Documentary</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/RiverRun%20Gala%202.jpg</image:loc><image:caption>RiverRun Gala 2</image:caption><image:title>RiverRun Gala 2</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/RiverRun%20PitchFest%202.jpg</image:loc><image:caption>RiverRun PitchFest 2</image:caption><image:title>RiverRun PitchFest 2</image:title></image:image><lastmod>2025-03-24</lastmod></url><url><loc>https://blog.vergercapital.com/development-blog</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Verger-Update-Covid-19.jpg</image:loc><image:caption>Verger-Update-Covid-19</image:caption><image:title>Verger-Update-Covid-19</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Understanding%20OCIO%20Blog%20Banner%20resize.png</image:loc><image:caption>Understanding OCIO Blog Banner resize</image:caption><image:title>Understanding OCIO Blog Banner resize</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/2020-Q3-Market-Commentary.jpg</image:loc><image:caption>2020-Q3-Market-Commentary</image:caption><image:title>2020-Q3-Market-Commentary</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return-of-the-Prudent-Investor.jpg</image:loc><image:caption>Return-of-the-Prudent-Investor</image:caption><image:title>Return-of-the-Prudent-Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Keys%20to%20choosing%20OCIO%20blog%20hero.png</image:loc><image:caption>Keys to choosing OCIO blog hero</image:caption><image:title>Keys to choosing OCIO blog hero</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><lastmod>2025-05-28</lastmod></url><url><loc>https://blog.vergercapital.com/news/verger-intern-spotlight-summer-2024</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/virginia%20group.jpg</image:loc><image:caption>virginia group</image:caption><image:title>virginia group</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Julia.jpg</image:loc><image:caption>Julia</image:caption><image:title>Julia</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Peng%2c%20Virginia%202024.06.jpg</image:loc><image:caption>Peng, Virginia 2024.06</image:caption><image:title>Peng, Virginia 2024.06</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/julia%20and%20jack.jpg</image:loc><image:caption>julia and jack</image:caption><image:title>julia and jack</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Barker%2c%20Jack%202024.07.jpg</image:loc><image:caption>Barker, Jack 2024.07</image:caption><image:title>Barker, Jack 2024.07</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Collins%2c%20Brady.jpeg</image:loc><image:caption>Collins, Brady</image:caption><image:title>Collins, Brady</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/INTERN%20SPOTLIGHT.png</image:loc><image:caption>INTERN SPOTLIGHT</image:caption><image:title>INTERN SPOTLIGHT</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/virginia1.jpg</image:loc><image:caption>virginia1</image:caption><image:title>virginia1</image:title></image:image><lastmod>2024-08-15</lastmod></url><url><loc>https://blog.vergercapital.com/news/verger-intern-spotlight-summer-2025</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/IMG_8201.jpeg</image:loc><image:caption>IMG_8201</image:caption><image:title>IMG_8201</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Liv%20Murphy.jpg</image:loc><image:caption>Liv Murphy</image:caption><image:title>Liv Murphy</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/IMG_8120.jpeg</image:loc><image:caption>IMG_8120</image:caption><image:title>IMG_8120</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Karina%20Yang.jpg</image:loc><image:caption>Karina Yang</image:caption><image:title>Karina Yang</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Ethan%20Herzog.jpg</image:loc><image:caption>Ethan Herzog</image:caption><image:title>Ethan Herzog</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Summer%202025%20INTERN%20SPOTLIGHT.png</image:loc><image:caption>Summer 2025 INTERN SPOTLIGHT</image:caption><image:title>Summer 2025 INTERN SPOTLIGHT</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Anna%20Newsom.jpg</image:loc><image:caption>Anna Newsom</image:caption><image:title>Anna Newsom</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/IMG_8148.jpeg</image:loc><image:caption>IMG_8148</image:caption><image:title>IMG_8148</image:title></image:image><lastmod>2025-08-29</lastmod></url><url><loc>https://blog.vergercapital.com/news-and-insights</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/2025%20Verger%20Team%20Website%20Post%20Image.png</image:loc><image:caption>2025 Verger Team Website Post Image</image:caption><image:title>2025 Verger Team Website Post Image</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Q3%2025%20Market%20Outlook%20Image.png</image:loc><image:caption>Q3 25 Market Outlook Image</image:caption><image:title>Q3 25 Market Outlook Image</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/BlogAssets-Whiteboard-BlogHeader-R3.jpg</image:loc><image:caption>BlogAssets-Whiteboard-BlogHeader-R3</image:caption><image:title>BlogAssets-Whiteboard-BlogHeader-R3</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Verger-Annual%20Report%202025-1200x628-Blog.png</image:loc><image:caption>Verger-Annual Report 2025-1200x628-Blog</image:caption><image:title>Verger-Annual Report 2025-1200x628-Blog</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Craig%20Thomas%202025%20CIO%20Letter.png</image:loc><image:caption>Craig Thomas 2025 CIO Letter</image:caption><image:title>Craig Thomas 2025 CIO Letter</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Verger%20Womens%20Leadership%20Initiative%20Article%20Cover.png</image:loc><image:caption>Verger Womens Leadership Initiative Article Cover</image:caption><image:title>Verger Womens Leadership Initiative Article Cover</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Q4%202025%20Market%20Outlook%20Image.png</image:loc><image:caption>Q4 2025 Market Outlook Image</image:caption><image:title>Q4 2025 Market Outlook Image</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Jim%20and%20Liz%20interview%20blog%20cover.jpg</image:loc><image:caption>Jim and Liz interview blog cover</image:caption><image:title>Jim and Liz interview blog cover</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Q1%202026%20Market%20Commentary.png</image:loc><image:caption>Q1 2026 Market Commentary</image:caption><image:title>Q1 2026 Market Commentary</image:title></image:image><lastmod>2025-05-28</lastmod></url><url><loc>https://blog.vergercapital.com/news/verger-womens-leadership-initiative-at-reach-conference-2026</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/IMG_1136.jpeg</image:loc><image:caption>IMG_1136</image:caption><image:title>IMG_1136</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/IMG_3814.jpeg</image:loc><image:caption>IMG_3814</image:caption><image:title>IMG_3814</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/2026%20REACH%20Verger%20IN%20COMMUNITY.png</image:loc><image:caption>2026 REACH Verger IN COMMUNITY</image:caption><image:title>2026 REACH Verger IN COMMUNITY</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/IMG_1102.jpeg</image:loc><image:caption>IMG_1102</image:caption><image:title>IMG_1102</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/REACH%20Womens%20Conference%20Booklet.jpg</image:loc><image:caption>REACH Womens Conference Booklet</image:caption><image:title>REACH Womens Conference Booklet</image:title></image:image><lastmod>2026-04-02</lastmod></url><url><loc>https://blog.vergercapital.com/news-and-insights/2021-q1-market-commentary</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/2021%20Q1%20Chart%204_Value%20v.%20Growth.png</image:loc><image:caption>2021 Q1 Chart 4_Value v. Growth</image:caption><image:title>2021 Q1 Chart 4_Value v. Growth</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/2021%20Q1%20Chart%201_Index%20Returns.png</image:loc><image:caption>2021 Q1 Chart 1_Index Returns</image:caption><image:title>2021 Q1 Chart 1_Index Returns</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Verger-Marketing_Commentary-graphic-v2%20(1).png</image:loc><image:caption>Verger-Marketing_Commentary-graphic-v2 (1)</image:caption><image:title>Verger-Marketing_Commentary-graphic-v2 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/2021%20Q1%20Chart%205_Japan-1.png</image:loc><image:caption>2021 Q1 Chart 5_Japan-1</image:caption><image:title>2021 Q1 Chart 5_Japan-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/2021%20Q1%20Chart%203_Global%20Inflows.png</image:loc><image:caption>2021 Q1 Chart 3_Global Inflows</image:caption><image:title>2021 Q1 Chart 3_Global Inflows</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/2021%20Q1%20Chart%202_Equity%20Returns.png</image:loc><image:caption>2021 Q1 Chart 2_Equity Returns</image:caption><image:title>2021 Q1 Chart 2_Equity Returns</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/2021%20Q1%20Chart%206_Credit%20Hedges.png</image:loc><image:caption>2021 Q1 Chart 6_Credit Hedges</image:caption><image:title>2021 Q1 Chart 6_Credit Hedges</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/2021%20Q1%20Star%20Wars%20Comic.png</image:loc><image:caption>2021 Q1 Star Wars Comic</image:caption><image:title>2021 Q1 Star Wars Comic</image:title></image:image><lastmod>2024-03-19</lastmod></url><url><loc>https://blog.vergercapital.com/news-and-insights/investing-in-a-post-covid-world-whats-a-non-profit-investor-to-do</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing-in-a-Post-COVID-World.jpg</image:loc><image:caption>Investing-in-a-Post-COVID-World</image:caption><image:title>Investing-in-a-Post-COVID-World</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Screen%20Shot%202021-02-05%20at%208.31.10%20AM.png</image:loc><image:caption>Screen Shot 2021-02-05 at 8.31.10 AM</image:caption><image:title>Screen Shot 2021-02-05 at 8.31.10 AM</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><lastmod>2023-08-01</lastmod></url><url><loc>https://blog.vergercapital.com/news/verger-launches-esg-task-force</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Verger-Update-Covid-19.jpg</image:loc><image:caption>Verger-Update-Covid-19</image:caption><image:title>Verger-Update-Covid-19</image:title></image:image><lastmod>2021-10-12</lastmod></url><url><loc>https://blog.vergercapital.com/news-and-insights/approach-to-non-profit-investment-policy-review</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/verger-investment-policy-statement.png</image:loc><image:caption>verger-investment-policy-statement</image:caption><image:title>verger-investment-policy-statement</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/IPS%20Policy%20Review.png</image:loc><image:caption>IPS Policy Review</image:caption><image:title>IPS Policy Review</image:title></image:image><lastmod>2023-12-05</lastmod></url><url><loc>https://blog.vergercapital.com/news-and-insights/four-critical-practices-for-non-profit-endowments-in-the-new-year</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Non-Profit%20Board%20Governance.png</image:loc><image:caption>Non-Profit Board Governance</image:caption><image:title>Non-Profit Board Governance</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><lastmod>2025-02-27</lastmod></url><url><loc>https://blog.vergercapital.com/news/verger-visits-the-classroom</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Jim%20and%20Mike.jpeg</image:loc><image:caption>Jim and Mike</image:caption><image:title>Jim and Mike</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/WFU%20Scott%20teaching%201.jpg</image:loc><image:caption>WFU Scott teaching 1</image:caption><image:title>WFU Scott teaching 1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Jim%20at%20WFU%202026.jpg</image:loc><image:caption>Jim at WFU 2026</image:caption><image:title>Jim at WFU 2026</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/WFU.jpg</image:loc><image:caption>WFU</image:caption><image:title>WFU</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Verger%20in%20the%20Community%20F&amp;I%20Institute%202026(1).png</image:loc><image:caption>Verger in the Community F&amp;I Institute 2026(1)</image:caption><image:title>Verger in the Community F&amp;I Institute 2026(1)</image:title></image:image><lastmod>2026-06-25</lastmod></url><url><loc>https://blog.vergercapital.com/news/craig-thomas-ocio-leader</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/COT%20and%20Girls%20Who%20Invest-2.jpg</image:loc><image:caption>COT and Girls Who Invest-2</image:caption><image:title>COT and Girls Who Invest-2</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/00-Craig%20Thomas%20(2).jpeg</image:loc><image:caption>00-Craig Thomas (2)</image:caption><image:title>00-Craig Thomas (2)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/0%20London%20Skyline.jpg</image:loc><image:caption>0 London Skyline</image:caption><image:title>0 London Skyline</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Craig%20Leadership%20Spotlight.png</image:loc><image:caption>Craig Leadership Spotlight</image:caption><image:title>Craig Leadership Spotlight</image:title></image:image><lastmod>2022-10-16</lastmod></url><url><loc>https://blog.vergercapital.com/news-and-insights/taylor-jackson-dakota-live-podcast</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Taylor%20Jackson%20Dakota%20Live%20Podcast%20Cover.png</image:loc><image:caption>Taylor Jackson Dakota Live Podcast Cover</image:caption><image:title>Taylor Jackson Dakota Live Podcast Cover</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><lastmod>2023-11-13</lastmod></url><url><loc>https://blog.vergercapital.com/news-and-insights/diversification-and-antifragility-protecting-endowments-amid-unpredictable-markets</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/2.png</image:loc><image:caption>2</image:caption><image:title>2</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><lastmod>2022-07-15</lastmod></url><url><loc>https://blog.vergercapital.com/news/verger-named-triad-best-places-to-work</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/TBJ%20Best%20Places%20to%20Work(1).png</image:loc><image:caption>TBJ Best Places to Work(1)</image:caption><image:title>TBJ Best Places to Work(1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/2024%20Best%20Places%20to%20Work.jpg</image:loc><image:caption>2024 Best Places to Work</image:caption><image:title>2024 Best Places to Work</image:title></image:image><lastmod>2024-05-24</lastmod></url><url><loc>https://blog.vergercapital.com/news-and-insights/2023-q2-market-outlook-for-non-profit-investment-management-0</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Verger-Marketing_Commentary-graphic-v2%20(1).png</image:loc><image:caption>Verger-Marketing_Commentary-graphic-v2 (1)</image:caption><image:title>Verger-Marketing_Commentary-graphic-v2 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Chart%202%20Seven%20Stocks%20Driving%20US.png</image:loc><image:caption>Chart 2 Seven Stocks Driving US</image:caption><image:title>Chart 2 Seven Stocks Driving US</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Chart%205%20Household%20Savings-1.png</image:loc><image:caption>Chart 5 Household Savings-1</image:caption><image:title>Chart 5 Household Savings-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Chart%207%20Global%20International%20Equity%20Funds%20Japan.png</image:loc><image:caption>Chart 7 Global International Equity Funds Japan</image:caption><image:title>Chart 7 Global International Equity Funds Japan</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Chart%206%20Japanese%20Equities.png</image:loc><image:caption>Chart 6 Japanese Equities</image:caption><image:title>Chart 6 Japanese Equities</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Chart%204%20Magnificent%207%20Revenue%20Growth.png</image:loc><image:caption>Chart 4 Magnificent 7 Revenue Growth</image:caption><image:title>Chart 4 Magnificent 7 Revenue Growth</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Chart%202%20Magnificent%207%20Stocks.png</image:loc><image:caption>Chart 2 Magnificent 7 Stocks</image:caption><image:title>Chart 2 Magnificent 7 Stocks</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Chart%201%20Index%20Returns.png</image:loc><image:caption>Chart 1 Index Returns</image:caption><image:title>Chart 1 Index Returns</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><lastmod>2024-03-19</lastmod></url><url><loc>https://blog.vergercapital.com/news-and-insights/the-right-time-to-evaluate-your-ocio</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Right%20time%20to%20evaluate%20your%20OCIO.png</image:loc><image:caption>Right time to evaluate your OCIO</image:caption><image:title>Right time to evaluate your OCIO</image:title></image:image><lastmod>2022-06-17</lastmod></url><url><loc>https://blog.vergercapital.com/news/verger-sponsors-angel-tree</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Angel%20Tree%205.jpeg</image:loc><image:caption>Angel Tree 5</image:caption><image:title>Angel Tree 5</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/2%20Angel%20Tree.jpg</image:loc><image:caption>2 Angel Tree</image:caption><image:title>2 Angel Tree</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/1%20Angel%20Tree.jpg</image:loc><image:caption>1 Angel Tree</image:caption><image:title>1 Angel Tree</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Angel%20Tree%206.jpeg</image:loc><image:caption>Angel Tree 6</image:caption><image:title>Angel Tree 6</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Angel%20Tree%207.jpeg</image:loc><image:caption>Angel Tree 7</image:caption><image:title>Angel Tree 7</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/3%20Angel%20Tree.jpg</image:loc><image:caption>3 Angel Tree</image:caption><image:title>3 Angel Tree</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Verger%20in%20the%20Community%20Angel%20Tree%20Blog%20Image.png</image:loc><image:caption>Verger in the Community Angel Tree Blog Image</image:caption><image:title>Verger in the Community Angel Tree Blog Image</image:title></image:image><lastmod>2023-12-17</lastmod></url><url><loc>https://blog.vergercapital.com/news-and-insights/verger-launches-esg-task-force</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Verger-Update-Covid-19.jpg</image:loc><image:caption>Verger-Update-Covid-19</image:caption><image:title>Verger-Update-Covid-19</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><lastmod>2021-10-12</lastmod></url><url><loc>https://blog.vergercapital.com/news-and-insights/the-esg-information-ecosystem-0</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/ESGWhitepaper-PromoGraphic.png</image:loc><image:caption>ESGWhitepaper-PromoGraphic</image:caption><image:title>ESGWhitepaper-PromoGraphic</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><lastmod>2023-07-11</lastmod></url><url><loc>https://blog.vergercapital.com/news/verger-2024-team-promotions</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Inge%20Smith%20LinkedIn%20headshot.jpg</image:loc><image:caption>Inge Smith LinkedIn headshot</image:caption><image:title>Inge Smith LinkedIn headshot</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/2024%20Team%20Promotions.png</image:loc><image:caption>2024 Team Promotions</image:caption><image:title>2024 Team Promotions</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Madison%20Moses%20LinkedIn%20headshot.jpg</image:loc><image:caption>Madison Moses LinkedIn headshot</image:caption><image:title>Madison Moses LinkedIn headshot</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Tricia%20Walker%20LinkedIn%20headshot.jpg</image:loc><image:caption>Tricia Walker LinkedIn headshot</image:caption><image:title>Tricia Walker LinkedIn headshot</image:title></image:image><lastmod>2025-04-03</lastmod></url><url><loc>https://blog.vergercapital.com/news-and-insights/venture-capital-deal-environment</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/VC%20Chart%201.png</image:loc><image:caption>VC Chart 1</image:caption><image:title>VC Chart 1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/VC%20Chart%202.png</image:loc><image:caption>VC Chart 2</image:caption><image:title>VC Chart 2</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Verger-Marketing_Commentary-graphic-v2%20(1).png</image:loc><image:caption>Verger-Marketing_Commentary-graphic-v2 (1)</image:caption><image:title>Verger-Marketing_Commentary-graphic-v2 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><lastmod>2024-03-19</lastmod></url><url><loc>https://blog.vergercapital.com/news/verger-in-the-community-winston-salem-street-school-lunch</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/WSSS4.jpeg</image:loc><image:caption>WSSS4</image:caption><image:title>WSSS4</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/WSSS1.jpeg</image:loc><image:caption>WSSS1</image:caption><image:title>WSSS1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/WSSS3.jpeg</image:loc><image:caption>WSSS3</image:caption><image:title>WSSS3</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/WSSS2.jpeg</image:loc><image:caption>WSSS2</image:caption><image:title>WSSS2</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/WSSS%20volunteer%20lunch.png</image:loc><image:caption>WSSS volunteer lunch</image:caption><image:title>WSSS volunteer lunch</image:title></image:image><lastmod>2022-11-30</lastmod></url><url><loc>https://blog.vergercapital.com/news-and-insights/2024-nboa-annual-meeting-highlights-impact</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Verger%20NBOA%202024%202.png</image:loc><image:caption>Verger NBOA 2024 2</image:caption><image:title>Verger NBOA 2024 2</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/_2024%20NBOA%20Annual%20Meeting%20Recap.png</image:loc><image:caption>_2024 NBOA Annual Meeting Recap</image:caption><image:title>_2024 NBOA Annual Meeting Recap</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Ansley-School.png</image:loc><image:caption>Ansley-School</image:caption><image:title>Ansley-School</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Verger%20NBOA%202024.png</image:loc><image:caption>Verger NBOA 2024</image:caption><image:title>Verger NBOA 2024</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/NBOA%202024%20Annual%20Meeting%20student%20performance.png.jpg</image:loc><image:caption>NBOA 2024 Annual Meeting student performance.png</image:caption><image:title>NBOA 2024 Annual Meeting student performance.png</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/NBOA%20Gives%20Back.png</image:loc><image:caption>NBOA Gives Back</image:caption><image:title>NBOA Gives Back</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/NBOA%202024.png</image:loc><image:caption>NBOA 2024</image:caption><image:title>NBOA 2024</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/NBOA%20Business%20Leadership.png</image:loc><image:caption>NBOA Business Leadership</image:caption><image:title>NBOA Business Leadership</image:title></image:image><lastmod>2024-03-08</lastmod></url><url><loc>https://blog.vergercapital.com/news/verger-in-the-community-winston-salem-street-school</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Verger%20in%20the%20Community%20WSSS.png</image:loc><image:caption>Verger in the Community WSSS</image:caption><image:title>Verger in the Community WSSS</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/WSSS%20Jim%20bb.jpg</image:loc><image:caption>WSSS Jim bb</image:caption><image:title>WSSS Jim bb</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/WSSS%20team.jpg</image:loc><image:caption>WSSS team</image:caption><image:title>WSSS team</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/WSSS%20serving.jpg</image:loc><image:caption>WSSS serving</image:caption><image:title>WSSS serving</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/WSSS%20lunch.jpg</image:loc><image:caption>WSSS lunch</image:caption><image:title>WSSS lunch</image:title></image:image><lastmod>2021-11-24</lastmod></url><url><loc>https://blog.vergercapital.com/news/shift-to-ocio-trends-in-higher-ed</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Imported%20sitepage%20images/Understanding%20OCIO%20Blog%20Banner%20resize.png</image:loc><image:caption>Understanding OCIO Blog Banner resize</image:caption><image:title>Understanding OCIO Blog Banner resize</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/FundFire%20Endwoment%20Trends%20Article.jpg</image:loc><image:caption>FundFire Endwoment Trends Article</image:caption><image:title>FundFire Endwoment Trends Article</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><lastmod>2024-10-11</lastmod></url><url><loc>https://blog.vergercapital.com/news/verger-wins-best-places-to-work</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/2025%20Best%20Places%20to%20Work%20Team.jpg</image:loc><image:caption>2025 Best Places to Work Team</image:caption><image:title>2025 Best Places to Work Team</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/TBJ%20Best%20Places%20to%20Work%202025.png</image:loc><image:caption>TBJ Best Places to Work 2025</image:caption><image:title>TBJ Best Places to Work 2025</image:title></image:image><lastmod>2025-05-29</lastmod></url><url><loc>https://blog.vergercapital.com/news-and-insights/key-components-of-non-profit-investment-policy-statements</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Verger%20IPS%20Blog%20Image.png</image:loc><image:caption>Verger IPS Blog Image</image:caption><image:title>Verger IPS Blog Image</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/verger-investment-policy-statement.png</image:loc><image:caption>verger-investment-policy-statement</image:caption><image:title>verger-investment-policy-statement</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><lastmod>2025-03-24</lastmod></url><url><loc>https://blog.vergercapital.com/news-and-insights/one-fund-approach-ocio-offers-access-scale</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Commingled%20Funds%20Blog%20Image%20drafts.png</image:loc><image:caption>Commingled Funds Blog Image drafts</image:caption><image:title>Commingled Funds Blog Image drafts</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><lastmod>2022-06-03</lastmod></url><url><loc>https://blog.vergercapital.com/news/verger-taylor-jackson-promoted-managing-director</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Taylor%20Jackson%20Promotion%202025.png</image:loc><image:caption>Taylor Jackson Promotion 2025</image:caption><image:title>Taylor Jackson Promotion 2025</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><lastmod>2025-01-23</lastmod></url><url><loc>https://blog.vergercapital.com/news-and-insights/womens-leadership-explores-strengths</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/VWLI%20Blog%20Post%20Cover%20Image.png</image:loc><image:caption>VWLI Blog Post Cover Image</image:caption><image:title>VWLI Blog Post Cover Image</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Collier%20Lumpkin.jpg</image:loc><image:caption>Collier Lumpkin</image:caption><image:title>Collier Lumpkin</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><lastmod>2023-07-21</lastmod></url><url><loc>https://blog.vergercapital.com/news-and-insights/whitepaper-return-of-the-prudent-investor</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return-of-the-Prudent-Investor.jpg</image:loc><image:caption>Return-of-the-Prudent-Investor</image:caption><image:title>Return-of-the-Prudent-Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><lastmod>2023-07-11</lastmod></url><url><loc>https://blog.vergercapital.com/news-and-insights/2025-q2-market-outlook-a-wager-on-discipline</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Chart%201.jpg</image:loc><image:caption>Chart 1</image:caption><image:title>Chart 1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Chart%203.png</image:loc><image:caption>Chart 3</image:caption><image:title>Chart 3</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Chart%204.jpg</image:loc><image:caption>Chart 4</image:caption><image:title>Chart 4</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Chart%204.png</image:loc><image:caption>Chart 4</image:caption><image:title>Chart 4</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/2025%20Q2%20Market%20Outlook%20Verger.png</image:loc><image:caption>2025 Q2 Market Outlook Verger</image:caption><image:title>2025 Q2 Market Outlook Verger</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Chart%205.jpg</image:loc><image:caption>Chart 5</image:caption><image:title>Chart 5</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Chart%202.png</image:loc><image:caption>Chart 2</image:caption><image:title>Chart 2</image:title></image:image><lastmod>2025-07-24</lastmod></url><url><loc>https://blog.vergercapital.com/news/inge-smith-2024-outstanding-women-in-business</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Award.jpeg</image:loc><image:caption>Award</image:caption><image:title>Award</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Friends%20at%20event.jpeg</image:loc><image:caption>Friends at event</image:caption><image:title>Friends at event</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/2024%20OWIB%20Verger%20Selfie%20Shot.jpg</image:loc><image:caption>2024 OWIB Verger Selfie Shot</image:caption><image:title>2024 OWIB Verger Selfie Shot</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/2024%20OWIB%20honorees-group-shot.jpg</image:loc><image:caption>2024 OWIB honorees-group-shot</image:caption><image:title>2024 OWIB honorees-group-shot</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/2024%20OWIB%20Inge%20Smith%20Blog%20Post.png</image:loc><image:caption>2024 OWIB Inge Smith Blog Post</image:caption><image:title>2024 OWIB Inge Smith Blog Post</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Verger%20Ladies%20at%20event.jpeg</image:loc><image:caption>Verger Ladies at event</image:caption><image:title>Verger Ladies at event</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Inge%20and%20Summer.jpeg</image:loc><image:caption>Inge and Summer</image:caption><image:title>Inge and Summer</image:title></image:image><lastmod>2024-05-23</lastmod></url><url><loc>https://blog.vergercapital.com/news-and-insights/2025-year-end-reflections-from-jim-dunn</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/JJD%20Signature.jpg</image:loc><image:caption>JJD Signature</image:caption><image:title>JJD Signature</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/2025%20Verger%20Team%20Website%20Post%20Image.png</image:loc><image:caption>2025 Verger Team Website Post Image</image:caption><image:title>2025 Verger Team Website Post Image</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><lastmod>2025-12-18</lastmod></url><url><loc>https://blog.vergercapital.com/news/verger-welcomes-ross-jackson</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Welcome%20to%20the%20team%20Ross%20Jackson.png</image:loc><image:caption>Welcome to the team Ross Jackson</image:caption><image:title>Welcome to the team Ross Jackson</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><lastmod>2026-04-24</lastmod></url><url><loc>https://blog.vergercapital.com/news-and-insights/2025-q4-market-outlook-winning-differently</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Q4%20Image%201.png</image:loc><image:caption>Q4 Image 1</image:caption><image:title>Q4 Image 1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Q4%20Image%204.jpg</image:loc><image:caption>Q4 Image 4</image:caption><image:title>Q4 Image 4</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Maddy%20and%20Scott%20Indiana.jpg</image:loc><image:caption>Maddy and Scott Indiana</image:caption><image:title>Maddy and Scott Indiana</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Q4%2025%20Image%202.jpg</image:loc><image:caption>Q4 25 Image 2</image:caption><image:title>Q4 25 Image 2</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Q4%20Image%203.jpg</image:loc><image:caption>Q4 Image 3</image:caption><image:title>Q4 Image 3</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Q4%202025%20Market%20Outlook%20Image.png</image:loc><image:caption>Q4 2025 Market Outlook Image</image:caption><image:title>Q4 2025 Market Outlook Image</image:title></image:image><lastmod>2026-01-22</lastmod></url><url><loc>https://blog.vergercapital.com/news/verger-event-recap-networking-nyc</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Client%20Event%203.jpg</image:loc><image:caption>Client Event 3</image:caption><image:title>Client Event 3</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Client%20Event%202.jpg</image:loc><image:caption>Client Event 2</image:caption><image:title>Client Event 2</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Client%20Event%204.jpg</image:loc><image:caption>Client Event 4</image:caption><image:title>Client Event 4</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Verger%20Investor%20Conference%20recap-1.png</image:loc><image:caption>Verger Investor Conference recap-1</image:caption><image:title>Verger Investor Conference recap-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Client%20Event%201.jpg</image:loc><image:caption>Client Event 1</image:caption><image:title>Client Event 1</image:title></image:image><lastmod>2023-05-11</lastmod></url><url><loc>https://blog.vergercapital.com/news-and-insights/womens-leadership-at-every-level</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/VWLI%20Blog%20Post%20Cover%20Image.png</image:loc><image:caption>VWLI Blog Post Cover Image</image:caption><image:title>VWLI Blog Post Cover Image</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/IMG_7682(1).jpeg</image:loc><image:caption>IMG_7682(1)</image:caption><image:title>IMG_7682(1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/VWLI%20October%202021%20Meeting.jpg</image:loc><image:caption>VWLI October 2021 Meeting</image:caption><image:title>VWLI October 2021 Meeting</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Angie%20&amp;%20Tricia.jpg</image:loc><image:caption>Angie &amp; Tricia</image:caption><image:title>Angie &amp; Tricia</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/IMG_0783.jpeg</image:loc><image:caption>IMG_0783</image:caption><image:title>IMG_0783</image:title></image:image><lastmod>2025-03-19</lastmod></url><url><loc>https://blog.vergercapital.com/news/verger-gips-compliance-fourth-year</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/GIPS%20OCIO%20Working%20Group%20Members.1.jpg</image:loc><image:caption>GIPS OCIO Working Group Members.1</image:caption><image:title>GIPS OCIO Working Group Members.1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/2024%20Verger%20GIPS.png</image:loc><image:caption>2024 Verger GIPS</image:caption><image:title>2024 Verger GIPS</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Tricia%20Walker%20at%20GIPS%202024.jpg</image:loc><image:caption>Tricia Walker at GIPS 2024</image:caption><image:title>Tricia Walker at GIPS 2024</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><lastmod>2024-11-13</lastmod></url><url><loc>https://blog.vergercapital.com/news-and-insights/protect-perform-provide</loc><video:video><video:thumbnail_loc>https://blog.vergercapital.com/hubfs/Verger_LinkedIn%20Video_Protect.Provide.Perfrom%20.mp4/medium.jpg</video:thumbnail_loc><video:title>Verger_LinkedIn Video_Protect.Provide.Perfrom </video:title><video:description>Verger_LinkedIn Video_Protect.Provide.Perfrom </video:description><video:content_loc>https://blog.vergercapital.com/hubfs/Verger_LinkedIn%20Video_Protect.Provide.Perfrom%20.mp4</video:content_loc><video:duration>37</video:duration><video:requires_subscription>no</video:requires_subscription><video:live>no</video:live></video:video><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Blog%20Header_PPP.jpg</image:loc><image:caption>Blog Header_PPP</image:caption><image:title>Blog Header_PPP</image:title></image:image><lastmod>2024-08-28</lastmod></url><url><loc>https://blog.vergercapital.com/news/verger-intern-spotlight-spring-semester-2023</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Verger%20Spring%2023%20Intern%20Spotlight.png</image:loc><image:caption>Verger Spring 23 Intern Spotlight</image:caption><image:title>Verger Spring 23 Intern Spotlight</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Ali%20Hakim%20Florian%20for%20website.jpeg</image:loc><image:caption>Ali Hakim Florian for website</image:caption><image:title>Ali Hakim Florian for website</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Blair%20Faber%20for%20website.jpeg</image:loc><image:caption>Blair Faber for website</image:caption><image:title>Blair Faber for website</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><lastmod>2023-05-05</lastmod></url><url><loc>https://blog.vergercapital.com/news-and-insights/2023-q1-market-outlook-for-non-profit-investment-management</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Verger-Marketing_Commentary-graphic-v2%20(1).png</image:loc><image:caption>Verger-Marketing_Commentary-graphic-v2 (1)</image:caption><image:title>Verger-Marketing_Commentary-graphic-v2 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/2%20MOVE%20Index%20vs%20Corporate%20Credit%20Spreads.png</image:loc><image:caption>2 MOVE Index vs Corporate Credit Spreads</image:caption><image:title>2 MOVE Index vs Corporate Credit Spreads</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/1%20Q1%20Index%20Returns.png</image:loc><image:caption>1 Q1 Index Returns</image:caption><image:title>1 Q1 Index Returns</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Closing%20Thoughts%20-%20Waiting%20for%20Godot.png</image:loc><image:caption>Closing Thoughts - Waiting for Godot</image:caption><image:title>Closing Thoughts - Waiting for Godot</image:title></image:image><lastmod>2024-03-19</lastmod></url><url><loc>https://blog.vergercapital.com/news/verger-in-the-community-magnolia-house-lunch</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Picture8.jpg</image:loc><image:caption>Picture8</image:caption><image:title>Picture8</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Verger%20in%20the%20community%20black%20history%20month.png</image:loc><image:caption>Verger in the community black history month</image:caption><image:title>Verger in the community black history month</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Picture14.jpg</image:loc><image:caption>Picture14</image:caption><image:title>Picture14</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Picture13.jpg</image:loc><image:caption>Picture13</image:caption><image:title>Picture13</image:title></image:image><lastmod>2025-02-25</lastmod></url><url><loc>https://blog.vergercapital.com/news-and-insights/investor-outlook-commercial-real-estate</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Verger-Marketing_Commentary-graphic-v2%20(1).png</image:loc><image:caption>Verger-Marketing_Commentary-graphic-v2 (1)</image:caption><image:title>Verger-Marketing_Commentary-graphic-v2 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Imported%20sitepage%20images/RTO-Figure2.png</image:loc><image:caption>RTO-Figure2</image:caption><image:title>RTO-Figure2</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Imported%20sitepage%20images/ex3-occupancy-rates-d.jpg</image:loc><image:caption>ex3-occupancy-rates-d</image:caption><image:title>ex3-occupancy-rates-d</image:title></image:image><lastmod>2024-03-19</lastmod></url><url><loc>https://blog.vergercapital.com/news/mike-carter-joins-board</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Welcome%20Mike%20Carter%20to%20BOM-1.png</image:loc><image:caption>Welcome Mike Carter to BOM-1</image:caption><image:title>Welcome Mike Carter to BOM-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><lastmod>2021-08-19</lastmod></url><url><loc>https://blog.vergercapital.com/news-and-insights/the-evolution-of-ocio-investment</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Jim-Dunn-Alts-Watch-Q&amp;A.png</image:loc><image:caption>Jim-Dunn-Alts-Watch-Q&amp;A</image:caption><image:title>Jim-Dunn-Alts-Watch-Q&amp;A</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><lastmod>2021-10-12</lastmod></url><url><loc>https://blog.vergercapital.com/news/verger-in-the-community-face-to-face-speaker-forum</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Malcom%20Gladwell%20Verger.png</image:loc><image:caption>Malcom Gladwell Verger</image:caption><image:title>Malcom Gladwell Verger</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><lastmod>2021-10-07</lastmod></url><url><loc>https://blog.vergercapital.com/news-and-insights/2020-q3-market-commentary-whats-on-the-menu-alphabet-soup</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Q3_Q3%202020%20Index%20Returns.png</image:loc><image:caption>Q3_Q3 2020 Index Returns</image:caption><image:title>Q3_Q3 2020 Index Returns</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Q3_The%20Big%203.png</image:loc><image:caption>Q3_The Big 3</image:caption><image:title>Q3_The Big 3</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Q3_Diminishing%20Returns%20from%20U.S.%20Debt%20GDP.png</image:loc><image:caption>Q3_Diminishing Returns from U.S. Debt GDP</image:caption><image:title>Q3_Diminishing Returns from U.S. Debt GDP</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Q3_Nikkei%20225.png</image:loc><image:caption>Q3_Nikkei 225</image:caption><image:title>Q3_Nikkei 225</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Q3_Disconnect%20Between%20Equity%20Markets%20and%20the%20Economy.png</image:loc><image:caption>Q3_Disconnect Between Equity Markets and the Economy</image:caption><image:title>Q3_Disconnect Between Equity Markets and the Economy</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Verger-Marketing_Commentary-graphic-v2%20(1).png</image:loc><image:caption>Verger-Marketing_Commentary-graphic-v2 (1)</image:caption><image:title>Verger-Marketing_Commentary-graphic-v2 (1)</image:title></image:image><lastmod>2024-03-19</lastmod></url><url><loc>https://blog.vergercapital.com/news/wfu-finance-investing-summer-immersion</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Jim%20Finance%20&amp;%20Investing%20Immersion.jpg</image:loc><image:caption>Jim Finance &amp; Investing Immersion</image:caption><image:title>Jim Finance &amp; Investing Immersion</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Jim%20in%20classroom.jpg</image:loc><image:caption>Jim in classroom</image:caption><image:title>Jim in classroom</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/WFU%20Finance%20and%20Investing%20Cover.png</image:loc><image:caption>WFU Finance and Investing Cover</image:caption><image:title>WFU Finance and Investing Cover</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Maddy%20judge%202.jpg</image:loc><image:caption>Maddy judge 2</image:caption><image:title>Maddy judge 2</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Taylor%202.jpeg</image:loc><image:caption>Taylor 2</image:caption><image:title>Taylor 2</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><lastmod>2024-07-05</lastmod></url><url><loc>https://blog.vergercapital.com/news/verger-in-the-community-city-with-dwellings</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Verger%20in%20the%20Community%20CWD(1).png</image:loc><image:caption>Verger in the Community CWD(1)</image:caption><image:title>Verger in the Community CWD(1)</image:title></image:image><lastmod>2023-09-05</lastmod></url><url><loc>https://blog.vergercapital.com/news-and-insights/understanding-outsourced-chief-investment-officer-ocio</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Understanding%20OCIO%20Blog%20Banner%20resize.png</image:loc><image:caption>Understanding OCIO Blog Banner resize</image:caption><image:title>Understanding OCIO Blog Banner resize</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><lastmod>2021-09-13</lastmod></url><url><loc>https://blog.vergercapital.com/news-and-insights/2021-q4-market-outlook-for-non-profit-investment-management-0</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Emerging%20Markets.png</image:loc><image:caption>Emerging Markets</image:caption><image:title>Emerging Markets</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Growth%20vs.%20Value.png</image:loc><image:caption>Growth vs. Value</image:caption><image:title>Growth vs. Value</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Inflation%20Whats%20rising.png</image:loc><image:caption>Inflation Whats rising</image:caption><image:title>Inflation Whats rising</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/IPO%20Surge.png</image:loc><image:caption>IPO Surge</image:caption><image:title>IPO Surge</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investor%20Expections%20vs.%20Investment%20Industry.png</image:loc><image:caption>Investor Expections vs. Investment Industry</image:caption><image:title>Investor Expections vs. Investment Industry</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Finance%20Litigation%20and%20asset%20recovery.png</image:loc><image:caption>Finance Litigation and asset recovery</image:caption><image:title>Finance Litigation and asset recovery</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/FAANG%20stocks%20S&amp;P.png</image:loc><image:caption>FAANG stocks S&amp;P</image:caption><image:title>FAANG stocks S&amp;P</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/CY21%20Q4%20Index%20Returns.png</image:loc><image:caption>CY21 Q4 Index Returns</image:caption><image:title>CY21 Q4 Index Returns</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Verger-Marketing_Commentary-graphic-v2%20(1).png</image:loc><image:caption>Verger-Marketing_Commentary-graphic-v2 (1)</image:caption><image:title>Verger-Marketing_Commentary-graphic-v2 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Expected%20Returns.png</image:loc><image:caption>Expected Returns</image:caption><image:title>Expected Returns</image:title></image:image><lastmod>2024-03-19</lastmod></url><url><loc>https://blog.vergercapital.com/news-and-insights/tips-for-successfully-navigating-the-ocio-rfp-process</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/verger-rfp.png</image:loc><image:caption>verger-rfp</image:caption><image:title>verger-rfp</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/new-image-2.png</image:loc><image:caption>new-image-2</image:caption><image:title>new-image-2</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><lastmod>2025-03-19</lastmod></url><url><loc>https://blog.vergercapital.com/news/intern-spotlight-rochan-bakthisaran</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Intern%20Spotlight_%20Rochan.png</image:loc><image:caption>Intern Spotlight_ Rochan</image:caption><image:title>Intern Spotlight_ Rochan</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><lastmod>2021-08-19</lastmod></url><url><loc>https://blog.vergercapital.com/news-and-insights/verger-carbon-footprint-elimination-benefits</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/3.jpg</image:loc><image:caption>3</image:caption><image:title>3</image:title></image:image><lastmod>2023-03-13</lastmod></url><url><loc>https://blog.vergercapital.com/news/verger-intern-spotlight-spring-2025</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Bryce%20Devlin%20.jpg</image:loc><image:caption>Bryce Devlin </image:caption><image:title>Bryce Devlin </image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Clay%20Matthews.jpg</image:loc><image:caption>Clay Matthews</image:caption><image:title>Clay Matthews</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Phoebe%20Shearer%20presentation.jpeg.jpg</image:loc><image:caption>Phoebe Shearer presentation.jpeg</image:caption><image:title>Phoebe Shearer presentation.jpeg</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Intern%20Spotlight%20Spring%202025.png</image:loc><image:caption>Intern Spotlight Spring 2025</image:caption><image:title>Intern Spotlight Spring 2025</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/2025%20Spring%20Interns%20working.jpg</image:loc><image:caption>2025 Spring Interns working</image:caption><image:title>2025 Spring Interns working</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Phoebe%20Shearer.jpeg</image:loc><image:caption>Phoebe Shearer</image:caption><image:title>Phoebe Shearer</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/2025%20Spring%20Interns.jpg</image:loc><image:caption>2025 Spring Interns</image:caption><image:title>2025 Spring Interns</image:title></image:image><lastmod>2025-05-06</lastmod></url><url><loc>https://blog.vergercapital.com/news/verger-welcomes-keshav-daga</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Verger%20Welcomes%20Keshav%20Daga.png</image:loc><image:caption>Verger Welcomes Keshav Daga</image:caption><image:title>Verger Welcomes Keshav Daga</image:title></image:image><lastmod>2024-10-30</lastmod></url><url><loc>https://blog.vergercapital.com/news</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Liz%20Laughter%20CNP%20Announcement.png</image:loc><image:caption>Liz Laughter CNP Announcement</image:caption><image:title>Liz Laughter CNP Announcement</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Verger-Mentoring%20Monday-Blog%20Cover-1200x600.png</image:loc><image:caption>Verger-Mentoring Monday-Blog Cover-1200x600</image:caption><image:title>Verger-Mentoring Monday-Blog Cover-1200x600</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Verger%20-%20NBOA%20Blog%20Header%20-%203.png</image:loc><image:caption>Verger - NBOA Blog Header - 3</image:caption><image:title>Verger - NBOA Blog Header - 3</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Welcome%20to%20the%20team%20Ross%20Jackson.png</image:loc><image:caption>Welcome to the team Ross Jackson</image:caption><image:title>Welcome to the team Ross Jackson</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Springwell%20Blog%20Cover.png</image:loc><image:caption>Springwell Blog Cover</image:caption><image:title>Springwell Blog Cover</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Verger%20in%20the%20Community%20F&amp;I%20Institute%202026(1).png</image:loc><image:caption>Verger in the Community F&amp;I Institute 2026(1)</image:caption><image:title>Verger in the Community F&amp;I Institute 2026(1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Jim%20Dunn%20Power%20List%202026.png</image:loc><image:caption>Jim Dunn Power List 2026</image:caption><image:title>Jim Dunn Power List 2026</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Miranda%20Edwards%20Promotion%202026%20News.png</image:loc><image:caption>Miranda Edwards Promotion 2026 News</image:caption><image:title>Miranda Edwards Promotion 2026 News</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/2026%20REACH%20Verger%20IN%20COMMUNITY.png</image:loc><image:caption>2026 REACH Verger IN COMMUNITY</image:caption><image:title>2026 REACH Verger IN COMMUNITY</image:title></image:image><lastmod>2025-05-28</lastmod></url><url><loc>https://blog.vergercapital.com/news-and-insights/endowment-is-in-our-dna</loc><video:video><video:thumbnail_loc>https://blog.vergercapital.com/hubfs/Verger_LinkedIn%20Video_Endowment%20in%20our%20DNA.mp4/medium.jpg</video:thumbnail_loc><video:title>Verger_LinkedIn Video_Endowment in our DNA</video:title><video:description>Verger_LinkedIn Video_Endowment in our DNA</video:description><video:content_loc>https://blog.vergercapital.com/hubfs/Verger_LinkedIn%20Video_Endowment%20in%20our%20DNA.mp4</video:content_loc><video:duration>72</video:duration><video:requires_subscription>no</video:requires_subscription><video:live>no</video:live></video:video><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Blog%20Header_Engagement%2c%20Intergration%2c%20Education.jpg</image:loc><image:caption>Blog Header_Engagement, Intergration, Education</image:caption><image:title>Blog Header_Engagement, Intergration, Education</image:title></image:image><lastmod>2024-08-27</lastmod></url><url><loc>https://blog.vergercapital.com/news-and-insights/considerations-for-educational-institutions</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Considerations-for-Educational-Institutions.jpg</image:loc><image:caption>Considerations-for-Educational-Institutions</image:caption><image:title>Considerations-for-Educational-Institutions</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><lastmod>2023-12-13</lastmod></url><url><loc>https://blog.vergercapital.com/news/jim-dunn-2025-power-list</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Jim%20Dunn%20Power%20List%202025.png</image:loc><image:caption>Jim Dunn Power List 2025</image:caption><image:title>Jim Dunn Power List 2025</image:title></image:image><lastmod>2025-05-08</lastmod></url><url><loc>https://blog.vergercapital.com/news-and-insights/questions-for-nonprofit-board-members</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Board%20Governance.png</image:loc><image:caption>Board Governance</image:caption><image:title>Board Governance</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/verger-Critical_Questions-cover.png</image:loc><image:caption>verger-Critical_Questions-cover</image:caption><image:title>verger-Critical_Questions-cover</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><lastmod>2024-02-27</lastmod></url><url><loc>https://blog.vergercapital.com/news-and-insights/ocio-fees-cost-vs.-value</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/medium.png</image:loc><image:caption>medium</image:caption><image:title>medium</image:title></image:image><lastmod>2022-04-25</lastmod></url><url><loc>https://blog.vergercapital.com/news/verger-in-the-community-habitat-for-humanity</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/TJ%20&amp;%20WN.jpg</image:loc><image:caption>TJ &amp; WN</image:caption><image:title>TJ &amp; WN</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Tricia%20the%20roofer.jpeg</image:loc><image:caption>Tricia the roofer</image:caption><image:title>Tricia the roofer</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Angie.jpg</image:loc><image:caption>Angie</image:caption><image:title>Angie</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Habitat%20for%20Humanity%20Verger%20Team.png</image:loc><image:caption>Habitat for Humanity Verger Team</image:caption><image:title>Habitat for Humanity Verger Team</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Inge2.jpg</image:loc><image:caption>Inge2</image:caption><image:title>Inge2</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><lastmod>2022-05-13</lastmod></url><url><loc>https://blog.vergercapital.com/news/verger-intern-spotlight-fall-2025</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/2025%20Priyasha%20Karki.jpg</image:loc><image:caption>2025 Priyasha Karki</image:caption><image:title>2025 Priyasha Karki</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Intern%20Spotlight%20Fall%202025(1).png</image:loc><image:caption>Intern Spotlight Fall 2025(1)</image:caption><image:title>Intern Spotlight Fall 2025(1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Drenan%2c%20Dylan%202025.09.jpeg</image:loc><image:caption>Drenan, Dylan 2025.09</image:caption><image:title>Drenan, Dylan 2025.09</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/2025%20Verger%20fall%20interns.jpg</image:loc><image:caption>2025 Verger fall interns</image:caption><image:title>2025 Verger fall interns</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/2025%20Daniel%20Cammarota.jpg</image:loc><image:caption>2025 Daniel Cammarota</image:caption><image:title>2025 Daniel Cammarota</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><lastmod>2025-12-09</lastmod></url><url><loc>https://blog.vergercapital.com/news/matt-crawford-joins-board</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Matt%20Crawford%20Joins%20BOM-1.png</image:loc><image:caption>Matt Crawford Joins BOM-1</image:caption><image:title>Matt Crawford Joins BOM-1</image:title></image:image><lastmod>2022-09-01</lastmod></url><url><loc>https://blog.vergercapital.com/news-and-insights/shoulder-to-shoulder-interview-jim-dunn-and-liz-laughter</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Jim%20and%20Liz%20interview%20blog%20cover.jpg</image:loc><image:caption>Jim and Liz interview blog cover</image:caption><image:title>Jim and Liz interview blog cover</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><lastmod>2026-06-30</lastmod></url><url><loc>https://blog.vergercapital.com/news-and-insights/2024-q1-market-outlook-for-non-profit-investment-management</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Verger-Marketing_Commentary-graphic-v2%20(1).png</image:loc><image:caption>Verger-Marketing_Commentary-graphic-v2 (1)</image:caption><image:title>Verger-Marketing_Commentary-graphic-v2 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Chart%206%20Q1%202024.png</image:loc><image:caption>Chart 6 Q1 2024</image:caption><image:title>Chart 6 Q1 2024</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Chart%203%20Q1%202024.png</image:loc><image:caption>Chart 3 Q1 2024</image:caption><image:title>Chart 3 Q1 2024</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Chart%205%20Q1%202024.png</image:loc><image:caption>Chart 5 Q1 2024</image:caption><image:title>Chart 5 Q1 2024</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Chart%201%20Q1%202024.png</image:loc><image:caption>Chart 1 Q1 2024</image:caption><image:title>Chart 1 Q1 2024</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Chart%204%20Q1%202024.png</image:loc><image:caption>Chart 4 Q1 2024</image:caption><image:title>Chart 4 Q1 2024</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Chart%202%20Q1%202024.png</image:loc><image:caption>Chart 2 Q1 2024</image:caption><image:title>Chart 2 Q1 2024</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><lastmod>2024-04-18</lastmod></url><url><loc>https://blog.vergercapital.com/news-and-insights/risks-of-prioritizing-returns-over-stability</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Chasing%20Investment%20Returns.png</image:loc><image:caption>Chasing Investment Returns</image:caption><image:title>Chasing Investment Returns</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><lastmod>2022-08-05</lastmod></url><url><loc>https://blog.vergercapital.com/news/investing-in-the-lives-of-others</loc><video:video><video:thumbnail_loc>https://blog.vergercapital.com/hubfs/Verger_Investing%20%2BInvesting_LinkedIn%20Videos.mp4/medium.jpg</video:thumbnail_loc><video:title>Investing in the Lives of Others at Verger</video:title><video:description>Verger_Investing +Investing_LinkedIn Videos</video:description><video:content_loc>https://blog.vergercapital.com/hubfs/Verger_Investing%20%2BInvesting_LinkedIn%20Videos.mp4</video:content_loc><video:duration>43</video:duration><video:requires_subscription>no</video:requires_subscription><video:live>no</video:live></video:video><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Blog%20Header_Investing%20in%20the%20Lives%20of%20Others%20.jpg</image:loc><image:caption>Blog Header_Investing in the Lives of Others </image:caption><image:title>Blog Header_Investing in the Lives of Others </image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><lastmod>2024-09-18</lastmod></url><url><loc>https://blog.vergercapital.com/news-and-insights/considerations-for-educational-institutions-amid-uncertainty</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Considerations-for-Educational-Institutions.jpg</image:loc><image:caption>Considerations-for-Educational-Institutions</image:caption><image:title>Considerations-for-Educational-Institutions</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><lastmod>2022-05-20</lastmod></url><url><loc>https://blog.vergercapital.com/news/verger-intern-spotlight-fall-2024</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Kagen%2c%20Justin%20-%202024%20fall.jpg</image:loc><image:caption>Kagen, Justin - 2024 fall</image:caption><image:title>Kagen, Justin - 2024 fall</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Intern%20Spotlight%20Fall%202024.png</image:loc><image:caption>Intern Spotlight Fall 2024</image:caption><image:title>Intern Spotlight Fall 2024</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/DAgosta%2c%20Griffin%20-%202024%20fall-1.bmp</image:loc><image:caption>DAgosta, Griffin - 2024 fall-1</image:caption><image:title>DAgosta, Griffin - 2024 fall-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Fall%202024%20Interns%20Capstone.jpg</image:loc><image:caption>Fall 2024 Interns Capstone</image:caption><image:title>Fall 2024 Interns Capstone</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Halsey%2c%20Sydney%20-%202024%20fall.bmp</image:loc><image:caption>Halsey, Sydney - 2024 fall</image:caption><image:title>Halsey, Sydney - 2024 fall</image:title></image:image><lastmod>2025-01-16</lastmod></url><url><loc>https://blog.vergercapital.com/news/verger-in-the-community-the-parenting-path-wishes-tree</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Verger%20Team%20with%20gifts%20for%20PP.jpg</image:loc><image:caption>Verger Team with gifts for PP</image:caption><image:title>Verger Team with gifts for PP</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/2025%20Parenting%20Path%20Wishes%20Tree%20drop%20off.png</image:loc><image:caption>2025 Parenting Path Wishes Tree drop off</image:caption><image:title>2025 Parenting Path Wishes Tree drop off</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><lastmod>2025-12-22</lastmod></url><url><loc>https://blog.vergercapital.com/news-and-insights/2021-q3-market-outlook-for-non-profit-investment-management</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Market%20Outlook%20Interest%20Rates.png</image:loc><image:caption>Market Outlook Interest Rates</image:caption><image:title>Market Outlook Interest Rates</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Portfolio%20Opps%20Equity.png</image:loc><image:caption>Portfolio Opps Equity</image:caption><image:title>Portfolio Opps Equity</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Ted%20Lasso%202.jpg</image:loc><image:caption>Ted Lasso 2</image:caption><image:title>Ted Lasso 2</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Market%20Review%20Indices.png</image:loc><image:caption>Market Review Indices</image:caption><image:title>Market Review Indices</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Market%20Outlook%20Consumer%20Demand.png</image:loc><image:caption>Market Outlook Consumer Demand</image:caption><image:title>Market Outlook Consumer Demand</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Market%20Review%20Cartoon.png</image:loc><image:caption>Market Review Cartoon</image:caption><image:title>Market Review Cartoon</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Ted%20Lasso%201.jpg</image:loc><image:caption>Ted Lasso 1</image:caption><image:title>Ted Lasso 1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Portfolio%20Opps%20Real%20Assets.png</image:loc><image:caption>Portfolio Opps Real Assets</image:caption><image:title>Portfolio Opps Real Assets</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Verger-Marketing_Commentary-graphic-v2%20(1).png</image:loc><image:caption>Verger-Marketing_Commentary-graphic-v2 (1)</image:caption><image:title>Verger-Marketing_Commentary-graphic-v2 (1)</image:title></image:image><lastmod>2024-03-19</lastmod></url><url><loc>https://blog.vergercapital.com/news-and-insights/recession-indicators-for-non-profit-investors</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Chart%201_Research%20Affiliates.png</image:loc><image:caption>Chart 1_Research Affiliates</image:caption><image:title>Chart 1_Research Affiliates</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/1.jpg</image:loc><image:caption>1</image:caption><image:title>1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Chart%202_FRED.png</image:loc><image:caption>Chart 2_FRED</image:caption><image:title>Chart 2_FRED</image:title></image:image><lastmod>2023-12-27</lastmod></url><url><loc>https://blog.vergercapital.com/news-and-insights/from-the-desk-of-craig-thomas-2024-fiscal-year-end-review</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Craig%20Signature.png</image:loc><image:caption>Craig Signature</image:caption><image:title>Craig Signature</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/1%20Craig%20Thomas%202024%20CIO%20Letter.png</image:loc><image:caption>1 Craig Thomas 2024 CIO Letter</image:caption><image:title>1 Craig Thomas 2024 CIO Letter</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><lastmod>2024-08-07</lastmod></url><url><loc>https://blog.vergercapital.com/news/investing-in-leaders-mentoring-monday</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/IMG_1690.jpeg</image:loc><image:caption>IMG_1690</image:caption><image:title>IMG_1690</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Verger-Mentoring%20Monday-Blog%20Cover-1200x600.png</image:loc><image:caption>Verger-Mentoring Monday-Blog Cover-1200x600</image:caption><image:title>Verger-Mentoring Monday-Blog Cover-1200x600</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/IMG_0904.jpeg</image:loc><image:caption>IMG_0904</image:caption><image:title>IMG_0904</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/IMG_1684.jpeg</image:loc><image:caption>IMG_1684</image:caption><image:title>IMG_1684</image:title></image:image><lastmod>2026-03-13</lastmod></url><url><loc>https://blog.vergercapital.com/news-and-insights/2025-annual-report</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/verger-annual-report-2025.jpg</image:loc><image:caption>verger-annual-report-2025</image:caption><image:title>verger-annual-report-2025</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Verger-Annual%20Report%202025-1200x628-Blog.png</image:loc><image:caption>Verger-Annual Report 2025-1200x628-Blog</image:caption><image:title>Verger-Annual Report 2025-1200x628-Blog</image:title></image:image><lastmod>2025-11-20</lastmod></url><url><loc>https://blog.vergercapital.com/news/2026-nboa-annual-meeting-highlights-impact</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/NBOA%20Gives%20Back%20OMYF-1.jpeg</image:loc><image:caption>NBOA Gives Back OMYF-1</image:caption><image:title>NBOA Gives Back OMYF-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/omyf-logo.png</image:loc><image:caption>omyf-logo</image:caption><image:title>omyf-logo</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/IMG_3565.jpeg</image:loc><image:caption>IMG_3565</image:caption><image:title>IMG_3565</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/NBOA%20Gives%20Back%20Charity%20Sponsor%20Check.jpg</image:loc><image:caption>NBOA Gives Back Charity Sponsor Check</image:caption><image:title>NBOA Gives Back Charity Sponsor Check</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Verger%20Team%20at%20NBOA%202026.jpg</image:loc><image:caption>Verger Team at NBOA 2026</image:caption><image:title>Verger Team at NBOA 2026</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Verger%20-%20NBOA%20Blog%20Header%20-%203.png</image:loc><image:caption>Verger - NBOA Blog Header - 3</image:caption><image:title>Verger - NBOA Blog Header - 3</image:title></image:image><lastmod>2026-03-20</lastmod></url><url><loc>https://blog.vergercapital.com/news/jim-dunn-wins-c-suite-award</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Jim%20and%20Team%20with%20Award.jpeg</image:loc><image:caption>Jim and Team with Award</image:caption><image:title>Jim and Team with Award</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/TBJ%20C-Suite%20Awards.jpg</image:loc><image:caption>TBJ C-Suite Awards</image:caption><image:title>TBJ C-Suite Awards</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/C-Suite%20Award%20Recipients.jpeg</image:loc><image:caption>C-Suite Award Recipients</image:caption><image:title>C-Suite Award Recipients</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Jim%20Dunn%20Wins%20C-Suite%20Award%202025.png</image:loc><image:caption>Jim Dunn Wins C-Suite Award 2025</image:caption><image:title>Jim Dunn Wins C-Suite Award 2025</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><lastmod>2025-07-29</lastmod></url><url><loc>https://blog.vergercapital.com/news-and-insights/2021-q2-market-commentary</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Q2%20Market%20Commentary%20Image%205.png</image:loc><image:caption>Q2 Market Commentary Image 5</image:caption><image:title>Q2 Market Commentary Image 5</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Q2%20Market%20Commentary%20Image%203.png</image:loc><image:caption>Q2 Market Commentary Image 3</image:caption><image:title>Q2 Market Commentary Image 3</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Q2%20Market%20Commentary%20Image%202.png</image:loc><image:caption>Q2 Market Commentary Image 2</image:caption><image:title>Q2 Market Commentary Image 2</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Verger-Marketing_Commentary-graphic-v2%20(1).png</image:loc><image:caption>Verger-Marketing_Commentary-graphic-v2 (1)</image:caption><image:title>Verger-Marketing_Commentary-graphic-v2 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Q2%20Market%20Commentary%20Image%204.png</image:loc><image:caption>Q2 Market Commentary Image 4</image:caption><image:title>Q2 Market Commentary Image 4</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Q2%20Market%20Commentary%20Image%201.png</image:loc><image:caption>Q2 Market Commentary Image 1</image:caption><image:title>Q2 Market Commentary Image 1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><lastmod>2025-03-24</lastmod></url><url><loc>https://blog.vergercapital.com/news/verger-in-the-community-senior-services</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/VERGER%20IN%20THE%20COMMUNITY%20Senior%20Services.png</image:loc><image:caption>VERGER IN THE COMMUNITY Senior Services</image:caption><image:title>VERGER IN THE COMMUNITY Senior Services</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Senior%20Services-1.jpg</image:loc><image:caption>Senior Services-1</image:caption><image:title>Senior Services-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/IMG_2531.jpg</image:loc><image:caption>IMG_2531</image:caption><image:title>IMG_2531</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/IMG_2537.jpeg</image:loc><image:caption>IMG_2537</image:caption><image:title>IMG_2537</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/TW&amp;Jeep.jpg</image:loc><image:caption>TW&amp;Jeep</image:caption><image:title>TW&amp;Jeep</image:title></image:image><lastmod>2024-08-06</lastmod></url><url><loc>https://blog.vergercapital.com/news-and-insights/are-alternative-investments-right-for-your-endowment-or-foundation</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Canva%20images/Are%20Alternatives%20Right%20for%20Endowments%3F%20Banner-1-1.png</image:loc><image:caption>Are Alternatives Right for Endowments? Banner-1-1</image:caption><image:title>Are Alternatives Right for Endowments? Banner-1-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><lastmod>2021-08-24</lastmod></url><url><loc>https://blog.vergercapital.com/news/2023-year-end-reflections-jim-dunn</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/JJD%20Signature.jpg</image:loc><image:caption>JJD Signature</image:caption><image:title>JJD Signature</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/2023%20Verger%20Holiday%20Photo.png</image:loc><image:caption>2023 Verger Holiday Photo</image:caption><image:title>2023 Verger Holiday Photo</image:title></image:image><lastmod>2025-03-24</lastmod></url><url><loc>https://blog.vergercapital.com/news/verger-welcomes-angela-fan</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Angela%20Fan%20welcome%20to%20Verger.png</image:loc><image:caption>Angela Fan welcome to Verger</image:caption><image:title>Angela Fan welcome to Verger</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><lastmod>2024-09-23</lastmod></url><url><loc>https://blog.vergercapital.com/news-and-insights/2023-q4-market-outlook-for-non-profit-investment-management</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/7%20US%20is%20Near%20Extreme%20Peaks%20vs%20Global%20Equities%20Image.png</image:loc><image:caption>7 US is Near Extreme Peaks vs Global Equities Image</image:caption><image:title>7 US is Near Extreme Peaks vs Global Equities Image</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/5%20Personal%20Interest%20Payments%20Image.png</image:loc><image:caption>5 Personal Interest Payments Image</image:caption><image:title>5 Personal Interest Payments Image</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/3%20MSCI%20ACWI%20Index%20Weightings%20Image.png</image:loc><image:caption>3 MSCI ACWI Index Weightings Image</image:caption><image:title>3 MSCI ACWI Index Weightings Image</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/10%20Forecasts.png</image:loc><image:caption>10 Forecasts</image:caption><image:title>10 Forecasts</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/1%20Index%20Returns%20Image.png</image:loc><image:caption>1 Index Returns Image</image:caption><image:title>1 Index Returns Image</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/8%20Percent%20of%20US%20firms%20EBIT.png</image:loc><image:caption>8 Percent of US firms EBIT</image:caption><image:title>8 Percent of US firms EBIT</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Verger-Marketing_Commentary-graphic-v2%20(1).png</image:loc><image:caption>Verger-Marketing_Commentary-graphic-v2 (1)</image:caption><image:title>Verger-Marketing_Commentary-graphic-v2 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/4%20US%20CPI%20YOY%20Comparison%20Image.png</image:loc><image:caption>4 US CPI YOY Comparison Image</image:caption><image:title>4 US CPI YOY Comparison Image</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/2%20Seven%20Largest%20Companies%20Image-1.png</image:loc><image:caption>2 Seven Largest Companies Image-1</image:caption><image:title>2 Seven Largest Companies Image-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/6%20International%20Price%20to%20Earnings%20Discount%20vs%20US%20Image.png</image:loc><image:caption>6 International Price to Earnings Discount vs US Image</image:caption><image:title>6 International Price to Earnings Discount vs US Image</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><lastmod>2024-03-19</lastmod></url><url><loc>https://blog.vergercapital.com/news/bring-your-why-to-work-craig-thomas</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Craig%20Thomas%20In%20Conversation%20Bring%20Your%20Why%20to%20Work.png</image:loc><image:caption>Craig Thomas In Conversation Bring Your Why to Work</image:caption><image:title>Craig Thomas In Conversation Bring Your Why to Work</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><lastmod>2023-05-31</lastmod></url><url><loc>https://blog.vergercapital.com/news/liz-laughter-earns-duke-university-certificate-in-nonprofit-management</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Liz%20Client%20Service.png</image:loc><image:caption>Liz Client Service</image:caption><image:title>Liz Client Service</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Liz%20Laughter%20CNP%20Announcement.png</image:loc><image:caption>Liz Laughter CNP Announcement</image:caption><image:title>Liz Laughter CNP Announcement</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><lastmod>2026-02-04</lastmod></url><url><loc>https://blog.vergercapital.com/news-and-insights/verger-womens-leadership-initiative-5-years-of-impact</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/IMG_6597.jpeg</image:loc><image:caption>IMG_6597</image:caption><image:title>IMG_6597</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/IMG_6549.jpeg</image:loc><image:caption>IMG_6549</image:caption><image:title>IMG_6549</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Verger%20Womens%20Leadership%20Initiative%20Article%20Cover.png</image:loc><image:caption>Verger Womens Leadership Initiative Article Cover</image:caption><image:title>Verger Womens Leadership Initiative Article Cover</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/IMG_6620.jpeg</image:loc><image:caption>IMG_6620</image:caption><image:title>IMG_6620</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/IMG_6586.jpeg</image:loc><image:caption>IMG_6586</image:caption><image:title>IMG_6586</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/IMG_6580.jpeg</image:loc><image:caption>IMG_6580</image:caption><image:title>IMG_6580</image:title></image:image><lastmod>2025-09-23</lastmod></url><url><loc>https://blog.vergercapital.com/news-and-insights/market-volatility</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Market%20Volatility.jpg</image:loc><image:caption>Market Volatility</image:caption><image:title>Market Volatility</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><lastmod>2025-03-20</lastmod></url><url><loc>https://blog.vergercapital.com/news/2022-year-end-reflections</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/JJD%20Signature.jpg</image:loc><image:caption>JJD Signature</image:caption><image:title>JJD Signature</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/2022%20Year%20End%20Team%20Photo.png</image:loc><image:caption>2022 Year End Team Photo</image:caption><image:title>2022 Year End Team Photo</image:title></image:image><lastmod>2022-12-21</lastmod></url><url><loc>https://blog.vergercapital.com/news/verger-welcomes-izabel-rader</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Verger%20Welcomes%20Izabel%20Rader.png</image:loc><image:caption>Verger Welcomes Izabel Rader</image:caption><image:title>Verger Welcomes Izabel Rader</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><lastmod>2025-01-30</lastmod></url><url><loc>https://blog.vergercapital.com/news-and-insights/recession-indicators</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/LEI%20Chart%202.jpg</image:loc><image:caption>LEI Chart 2</image:caption><image:title>LEI Chart 2</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/LEI%20Chart%201.jpg</image:loc><image:caption>LEI Chart 1</image:caption><image:title>LEI Chart 1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Recession.png</image:loc><image:caption>Recession</image:caption><image:title>Recession</image:title></image:image><lastmod>2022-12-16</lastmod></url><url><loc>https://blog.vergercapital.com/news-and-insights/verger-recognizes-team-celebrates-milestone</loc><video:video><video:thumbnail_loc>https://blog.vergercapital.com/hubfs/10%20Year%20Anniversary/Verger_10_Year_Celebration_Final%20Video%20(1080p).mp4/medium.jpg</video:thumbnail_loc><video:title>Verger_10_Year_Celebration_Final Video (1080p)</video:title><video:description>Verger_10_Year_Celebration_Final Video (1080p)</video:description><video:content_loc>https://blog.vergercapital.com/hubfs/10%20Year%20Anniversary/Verger_10_Year_Celebration_Final%20Video%20(1080p).mp4</video:content_loc><video:duration>313</video:duration><video:requires_subscription>no</video:requires_subscription><video:live>no</video:live></video:video><image:image><image:loc>https://blog.vergercapital.com/hubfs/2914_131_WEB.jpg</image:loc><image:caption>2914_131_WEB</image:caption><image:title>2914_131_WEB</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/CWD%202.jpeg</image:loc><image:caption>CWD 2</image:caption><image:title>CWD 2</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Verger%20Celebrates%20Milestone%20and%20Awards%20Staff.png</image:loc><image:caption>Verger Celebrates Milestone and Awards Staff</image:caption><image:title>Verger Celebrates Milestone and Awards Staff</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/CWD%203.jpeg</image:loc><image:caption>CWD 3</image:caption><image:title>CWD 3</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/CWD%204.jpeg</image:loc><image:caption>CWD 4</image:caption><image:title>CWD 4</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Jim%20Dun%20with%20Interns%20at%20Celebration.jpg</image:loc><image:caption>Jim Dun with Interns at Celebration</image:caption><image:title>Jim Dun with Interns at Celebration</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><lastmod>2024-06-03</lastmod></url><url><loc>https://blog.vergercapital.com/news/salem-college-selects-verger-as-ocio</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Salem%20College%20Announcement.png</image:loc><image:caption>Salem College Announcement</image:caption><image:title>Salem College Announcement</image:title></image:image><lastmod>2024-02-22</lastmod></url><url><loc>https://blog.vergercapital.com/news-and-insights/2023-q3-market-outlook-for-non-profit-investment-management</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/6-%20BBB%20CMBS%20Spreads.png</image:loc><image:caption>6- BBB CMBS Spreads</image:caption><image:title>6- BBB CMBS Spreads</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/3-U.S.%20National%20Debt%20vs.%20GDP.png</image:loc><image:caption>3-U.S. National Debt vs. GDP</image:caption><image:title>3-U.S. National Debt vs. GDP</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/4-U.S.%20Federal%20Government%20Interest%20Payments.png</image:loc><image:caption>4-U.S. Federal Government Interest Payments</image:caption><image:title>4-U.S. Federal Government Interest Payments</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/5-%20Current%20High%20Yield%20Funding%20Cost%20vs.%20Average%20Coupon.png</image:loc><image:caption>5- Current High Yield Funding Cost vs. Average Coupon</image:caption><image:title>5- Current High Yield Funding Cost vs. Average Coupon</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Verger-Marketing_Commentary-graphic-v2%20(1).png</image:loc><image:caption>Verger-Marketing_Commentary-graphic-v2 (1)</image:caption><image:title>Verger-Marketing_Commentary-graphic-v2 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/1-Q3%202023%20Index%20Returns-1.png</image:loc><image:caption>1-Q3 2023 Index Returns-1</image:caption><image:title>1-Q3 2023 Index Returns-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/2-Trailing%20three%20year%20montly%20stock%20bond%20correlations.png</image:loc><image:caption>2-Trailing three year montly stock bond correlations</image:caption><image:title>2-Trailing three year montly stock bond correlations</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><lastmod>2024-03-19</lastmod></url><url><loc>https://blog.vergercapital.com/news/verger-celebrates-9-years</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/IMG_5848-1.jpeg</image:loc><image:caption>IMG_5848-1</image:caption><image:title>IMG_5848-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/IMG_5821.jpeg</image:loc><image:caption>IMG_5821</image:caption><image:title>IMG_5821</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Miracle%20Grounds%20Volunteer%20Day.png</image:loc><image:caption>Miracle Grounds Volunteer Day</image:caption><image:title>Miracle Grounds Volunteer Day</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/The%20Boss.jpg</image:loc><image:caption>The Boss</image:caption><image:title>The Boss</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/VW-1.jpg</image:loc><image:caption>VW-1</image:caption><image:title>VW-1</image:title></image:image><lastmod>2023-04-20</lastmod></url><url><loc>https://blog.vergercapital.com/news-and-insights/ocio-investment-biases</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investment%20Biases.png</image:loc><image:caption>Investment Biases</image:caption><image:title>Investment Biases</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><lastmod>2023-12-27</lastmod></url><url><loc>https://blog.vergercapital.com/news/intern-spotlight-todd-howard</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Intern%20Spotlight%20Todd%20Howard.jpg</image:loc><image:caption>Intern Spotlight Todd Howard</image:caption><image:title>Intern Spotlight Todd Howard</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><lastmod>2023-07-31</lastmod></url><url><loc>https://blog.vergercapital.com/news-and-insights/from-the-desk-of-craig-thomas-2023-fiscal-year-end-review</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Your%20paragraph%20text%20(1200%20%C3%97%20600%20px).jpg</image:loc><image:caption>Your paragraph text (1200 × 600 px)</image:caption><image:title>Your paragraph text (1200 × 600 px)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Craig%20Signature.png</image:loc><image:caption>Craig Signature</image:caption><image:title>Craig Signature</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><lastmod>2023-08-17</lastmod></url><url><loc>https://blog.vergercapital.com/news/tricia-walker-joins-cfa-team-to-create-gips-standards</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Verger-Update-Covid-19.jpg</image:loc><image:caption>Verger-Update-Covid-19</image:caption><image:title>Verger-Update-Covid-19</image:title></image:image><lastmod>2022-08-02</lastmod></url><url><loc>https://blog.vergercapital.com/news/verger-womens-leadership-attends-reach</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/REACH%20Womens%20Conference%20Panel_Confidence.jpg</image:loc><image:caption>REACH Womens Conference Panel_Confidence</image:caption><image:title>REACH Womens Conference Panel_Confidence</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/VWLI%20celebrations.jpg</image:loc><image:caption>VWLI celebrations</image:caption><image:title>VWLI celebrations</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/REACH%20Womens%20Conference%20Booklet.jpg</image:loc><image:caption>REACH Womens Conference Booklet</image:caption><image:title>REACH Womens Conference Booklet</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/REACH%20VWLI.jpg</image:loc><image:caption>REACH VWLI</image:caption><image:title>REACH VWLI</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/REACH%20Conference%202024(1).png</image:loc><image:caption>REACH Conference 2024(1)</image:caption><image:title>REACH Conference 2024(1)</image:title></image:image><lastmod>2025-03-24</lastmod></url><url><loc>https://blog.vergercapital.com/news-and-insights/ocio-vs-consultant</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/OCIO%20vs%20Consultant%20image.png</image:loc><image:caption>OCIO vs Consultant image</image:caption><image:title>OCIO vs Consultant image</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><lastmod>2022-10-31</lastmod></url><url><loc>https://blog.vergercapital.com/news-and-insights/non-profits-long-term-investment-objectives</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Verger_Navigating_Blog_1200x599.png</image:loc><image:caption>Verger_Navigating_Blog_1200x599</image:caption><image:title>Verger_Navigating_Blog_1200x599</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><lastmod>2024-09-10</lastmod></url><url><loc>https://blog.vergercapital.com/news/2024-nboa-annual-meeting</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/NBOA%202024%20Annual%20Meeting.png</image:loc><image:caption>NBOA 2024 Annual Meeting</image:caption><image:title>NBOA 2024 Annual Meeting</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><lastmod>2024-02-08</lastmod></url><url><loc>https://blog.vergercapital.com/news-and-insights/2022-q4-market-outlook-for-non-profit-investment-management</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Q422%20image%202.png</image:loc><image:caption>Q422 image 2</image:caption><image:title>Q422 image 2</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Q422%20imge%207.png</image:loc><image:caption>Q422 imge 7</image:caption><image:title>Q422 imge 7</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Q422%20image%203.png</image:loc><image:caption>Q422 image 3</image:caption><image:title>Q422 image 3</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Q422%20imge%208.png</image:loc><image:caption>Q422 imge 8</image:caption><image:title>Q422 imge 8</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Q422%20image%201.png</image:loc><image:caption>Q422 image 1</image:caption><image:title>Q422 image 1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Q422%20imge%205.png</image:loc><image:caption>Q422 imge 5</image:caption><image:title>Q422 imge 5</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Verger-Marketing_Commentary-graphic-v2%20(1).png</image:loc><image:caption>Verger-Marketing_Commentary-graphic-v2 (1)</image:caption><image:title>Verger-Marketing_Commentary-graphic-v2 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Q422%20imge%206.png</image:loc><image:caption>Q422 imge 6</image:caption><image:title>Q422 imge 6</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Q422%20imge%204.png</image:loc><image:caption>Q422 imge 4</image:caption><image:title>Q422 imge 4</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><lastmod>2024-03-19</lastmod></url><url><loc>https://blog.vergercapital.com/news-and-insights/ocio-equipped-market-downturn</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Vergerblog930.jpg</image:loc><image:caption>Vergerblog930</image:caption><image:title>Vergerblog930</image:title></image:image><lastmod>2022-09-30</lastmod></url><url><loc>https://blog.vergercapital.com/news-and-insights/investing-in-the-lives-of-others-esg</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return-of-the-Prudent-Investor-1.jpg</image:loc><image:caption>Return-of-the-Prudent-Investor-1</image:caption><image:title>Return-of-the-Prudent-Investor-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><lastmod>2023-07-11</lastmod></url><url><loc>https://blog.vergercapital.com/news/salem-academy-innovation-day</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Verger%20in%20the%20Community%20Salem%20STEM%20Day.png</image:loc><image:caption>Verger in the Community Salem STEM Day</image:caption><image:title>Verger in the Community Salem STEM Day</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Salem%20STEM%20Day%20board.jpg</image:loc><image:caption>Salem STEM Day board</image:caption><image:title>Salem STEM Day board</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/2-Salem%20STEAM.jpg</image:loc><image:caption>2-Salem STEAM</image:caption><image:title>2-Salem STEAM</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Salem%20STEM%20manager%20selection%20exercise.jpeg</image:loc><image:caption>Salem STEM manager selection exercise</image:caption><image:title>Salem STEM manager selection exercise</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/1-Salem%20STEAM.jpg</image:loc><image:caption>1-Salem STEAM</image:caption><image:title>1-Salem STEAM</image:title></image:image><lastmod>2024-11-22</lastmod></url><url><loc>https://blog.vergercapital.com/news-and-insights/2024-q2-market-outlook-for-non-profit-investment-management</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Verger-Marketing_Commentary-graphic-v2%20(1).png</image:loc><image:caption>Verger-Marketing_Commentary-graphic-v2 (1)</image:caption><image:title>Verger-Marketing_Commentary-graphic-v2 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/2024%20Q2%20Image%206.png</image:loc><image:caption>2024 Q2 Image 6</image:caption><image:title>2024 Q2 Image 6</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/2024%20Q2%20Image%201.png</image:loc><image:caption>2024 Q2 Image 1</image:caption><image:title>2024 Q2 Image 1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/2024%20Q2%20Image%205.png</image:loc><image:caption>2024 Q2 Image 5</image:caption><image:title>2024 Q2 Image 5</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/2024%20Q2%20Image%202.png</image:loc><image:caption>2024 Q2 Image 2</image:caption><image:title>2024 Q2 Image 2</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/2024%20Q2%20Image%203.png</image:loc><image:caption>2024 Q2 Image 3</image:caption><image:title>2024 Q2 Image 3</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/2024%20Q2%20Image%204.0.png</image:loc><image:caption>2024 Q2 Image 4.0</image:caption><image:title>2024 Q2 Image 4.0</image:title></image:image><lastmod>2024-07-22</lastmod></url><url><loc>https://blog.vergercapital.com/news/celebration-ben-sutton</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Ben%20Sutton%20Celebration%20Blog%20Post.png</image:loc><image:caption>Ben Sutton Celebration Blog Post</image:caption><image:title>Ben Sutton Celebration Blog Post</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><lastmod>2021-08-19</lastmod></url><url><loc>https://blog.vergercapital.com/news/verger-in-the-community-springwell-volunteer-project</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/springwell%20image%201.jpg</image:loc><image:caption>springwell image 1</image:caption><image:title>springwell image 1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Springwell%20Blog%20Cover.png</image:loc><image:caption>Springwell Blog Cover</image:caption><image:title>Springwell Blog Cover</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/springwell%20image%203.jpg</image:loc><image:caption>springwell image 3</image:caption><image:title>springwell image 3</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/springwell%20image%204.jpg</image:loc><image:caption>springwell image 4</image:caption><image:title>springwell image 4</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/springwell%20image%202.jpg</image:loc><image:caption>springwell image 2</image:caption><image:title>springwell image 2</image:title></image:image><lastmod>2026-07-15</lastmod></url><url><loc>https://blog.vergercapital.com/news-and-insights/2020-q4-market-commentary-groundhog-day</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Q4_60_40%20Lost%20Decades.png</image:loc><image:caption>Q4_60_40 Lost Decades</image:caption><image:title>Q4_60_40 Lost Decades</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Verger-Marketing_Commentary-graphic-v2%20(1).png</image:loc><image:caption>Verger-Marketing_Commentary-graphic-v2 (1)</image:caption><image:title>Verger-Marketing_Commentary-graphic-v2 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Q4_S&amp;P%20500%20Bank%20Index%20Historical%20Price%20to%20Book.png</image:loc><image:caption>Q4_S&amp;P 500 Bank Index Historical Price to Book</image:caption><image:title>Q4_S&amp;P 500 Bank Index Historical Price to Book</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Q4_US%20Venture%20Capital%20Exit%20Activity.png</image:loc><image:caption>Q4_US Venture Capital Exit Activity</image:caption><image:title>Q4_US Venture Capital Exit Activity</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Q4_OTC%20Penny%20Stock%20Volume.png</image:loc><image:caption>Q4_OTC Penny Stock Volume</image:caption><image:title>Q4_OTC Penny Stock Volume</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Q4_Share%20Price%20Growth%20of%20Unprofitable%20Tech%20Companies.png</image:loc><image:caption>Q4_Share Price Growth of Unprofitable Tech Companies</image:caption><image:title>Q4_Share Price Growth of Unprofitable Tech Companies</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Q4_10%20Year%20Historical%20Returns%20vs.%20Expected.png</image:loc><image:caption>Q4_10 Year Historical Returns vs. Expected</image:caption><image:title>Q4_10 Year Historical Returns vs. Expected</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Q4_2020%20Index%20Returns.png</image:loc><image:caption>Q4_2020 Index Returns</image:caption><image:title>Q4_2020 Index Returns</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Q4_2020%20Equity%20Returns.png</image:loc><image:caption>Q4_2020 Equity Returns</image:caption><image:title>Q4_2020 Equity Returns</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Q4_M2%20Money%20Supply%20vs.%20CPI%20Inflation.png</image:loc><image:caption>Q4_M2 Money Supply vs. CPI Inflation</image:caption><image:title>Q4_M2 Money Supply vs. CPI Inflation</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><lastmod>2024-03-19</lastmod></url><url><loc>https://blog.vergercapital.com/news-and-insights/2026-q1-market-review</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Q1%202026%202.jpg</image:loc><image:caption>Q1 2026 2</image:caption><image:title>Q1 2026 2</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Q1%202026%203.jpg</image:loc><image:caption>Q1 2026 3</image:caption><image:title>Q1 2026 3</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Q1%202026%20Market%20Commentary.png</image:loc><image:caption>Q1 2026 Market Commentary</image:caption><image:title>Q1 2026 Market Commentary</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Q1%202026%201.jpg</image:loc><image:caption>Q1 2026 1</image:caption><image:title>Q1 2026 1</image:title></image:image><lastmod>2026-04-27</lastmod></url><url><loc>https://blog.vergercapital.com/news/verger-in-the-community-dress-for-success</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Dress%20for%20Success%20VWLI%20Drive.png</image:loc><image:caption>Dress for Success VWLI Drive</image:caption><image:title>Dress for Success VWLI Drive</image:title></image:image><lastmod>2023-03-29</lastmod></url><url><loc>https://blog.vergercapital.com/news-and-insights/verger-annual-whiteboard-session-2026</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/BlogAssets-Whiteboard-BlogHeader-R3.jpg</image:loc><image:caption>BlogAssets-Whiteboard-BlogHeader-R3</image:caption><image:title>BlogAssets-Whiteboard-BlogHeader-R3</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/IMG_2893-edited-JPEG.jpeg</image:loc><image:caption>IMG_2893-edited-JPEG</image:caption><image:title>IMG_2893-edited-JPEG</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/BlogAssets-Whiteboard-BlogGraphic-R1-jpg.jpeg</image:loc><image:caption>BlogAssets-Whiteboard-BlogGraphic-R1-jpg</image:caption><image:title>BlogAssets-Whiteboard-BlogGraphic-R1-jpg</image:title></image:image><lastmod>2026-04-22</lastmod></url><url><loc>https://blog.vergercapital.com/news-and-insights/2022-q1-market-outlook-for-non-profit-investment-management</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Inflation%20chart.jpg</image:loc><image:caption>Inflation chart</image:caption><image:title>Inflation chart</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Verger-Marketing_Commentary-graphic-v2%20(1).png</image:loc><image:caption>Verger-Marketing_Commentary-graphic-v2 (1)</image:caption><image:title>Verger-Marketing_Commentary-graphic-v2 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Quality%20on%20sale%20chart.jpg</image:loc><image:caption>Quality on sale chart</image:caption><image:title>Quality on sale chart</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Index%20Returns%20Image.jpg</image:loc><image:caption>Index Returns Image</image:caption><image:title>Index Returns Image</image:title></image:image><lastmod>2024-03-19</lastmod></url><url><loc>https://blog.vergercapital.com/news-and-insights/keys-to-choosing-the-right-ocio</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Keys%20to%20choosing%20OCIO%20blog%20hero.png</image:loc><image:caption>Keys to choosing OCIO blog hero</image:caption><image:title>Keys to choosing OCIO blog hero</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><lastmod>2021-07-02</lastmod></url><url><loc>https://blog.vergercapital.com/news/verger-welcomes-scott-clancy</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Scott%20Clancy%20Announcement%20Image.png</image:loc><image:caption>Scott Clancy Announcement Image</image:caption><image:title>Scott Clancy Announcement Image</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><lastmod>2023-10-09</lastmod></url><url><loc>https://blog.vergercapital.com/news-and-insights/2025-q1-market-outlook</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Q1%202025%20image%204.jpg</image:loc><image:caption>Q1 2025 image 4</image:caption><image:title>Q1 2025 image 4</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Verger-Marketing_Commentary-graphic-v2%20(1).png</image:loc><image:caption>Verger-Marketing_Commentary-graphic-v2 (1)</image:caption><image:title>Verger-Marketing_Commentary-graphic-v2 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Q1%202025%20image%201.jpg</image:loc><image:caption>Q1 2025 image 1</image:caption><image:title>Q1 2025 image 1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Q1%202025%20image%203.jpg</image:loc><image:caption>Q1 2025 image 3</image:caption><image:title>Q1 2025 image 3</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Q1%202025%20Image%202.png</image:loc><image:caption>Q1 2025 Image 2</image:caption><image:title>Q1 2025 Image 2</image:title></image:image><lastmod>2025-04-22</lastmod></url><url><loc>https://blog.vergercapital.com/news-and-insights/seven-rfp-questions-ocio-providers</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/verger-rfp.png</image:loc><image:caption>verger-rfp</image:caption><image:title>verger-rfp</image:title></image:image><lastmod>2023-05-16</lastmod></url><url><loc>https://blog.vergercapital.com/news/verger-update-covid-19</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Verger-Update-Covid-19.jpg</image:loc><image:caption>Verger-Update-Covid-19</image:caption><image:title>Verger-Update-Covid-19</image:title></image:image><lastmod>2025-04-09</lastmod></url><url><loc>https://blog.vergercapital.com/news/verger-in-the-community-humane-society</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/IMG_2975.jpeg</image:loc><image:caption>IMG_2975</image:caption><image:title>IMG_2975</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/IMG_2950.jpeg</image:loc><image:caption>IMG_2950</image:caption><image:title>IMG_2950</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Verger%20in%20the%20Community%20Humane%20Society%202024.png</image:loc><image:caption>Verger in the Community Humane Society 2024</image:caption><image:title>Verger in the Community Humane Society 2024</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/IMG_4942.jpeg</image:loc><image:caption>IMG_4942</image:caption><image:title>IMG_4942</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Picture5.jpg</image:loc><image:caption>Picture5</image:caption><image:title>Picture5</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><lastmod>2024-09-18</lastmod></url><url><loc>https://blog.vergercapital.com/news/jim-dunn-featured-on-dakota-live-podcast</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Ep%20139%20Jim%20Dunn_Thumb-Full%20(1).jpg</image:loc><image:caption>Ep 139 Jim Dunn_Thumb-Full (1)</image:caption><image:title>Ep 139 Jim Dunn_Thumb-Full (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><lastmod>2025-09-17</lastmod></url><url><loc>https://blog.vergercapital.com/news/verger-in-the-community-the-shalom-project</loc><image:image><image:loc>https://blog.vergercapital.com/hubfs/Investing%20in%20the%20Lives%20of%20Others-1.jpg</image:loc><image:caption>Investing in the Lives of Others-1</image:caption><image:title>Investing in the Lives of Others-1</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/IMG_6987.jpeg</image:loc><image:caption>IMG_6987</image:caption><image:title>IMG_6987</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Group%20427324955%20(1).svg</image:loc><image:caption>Group 427324955 (1)</image:caption><image:title>Group 427324955 (1)</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/IMG_6958.jpeg</image:loc><image:caption>IMG_6958</image:caption><image:title>IMG_6958</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Return%20of%20the%20Prudent%20Investor.jpg</image:loc><image:caption>Return of the Prudent Investor</image:caption><image:title>Return of the Prudent Investor</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/Verger%20in%20the%20Community%20The%20Shalom%20Project%202025.png</image:loc><image:caption>Verger in the Community The Shalom Project 2025</image:caption><image:title>Verger in the Community The Shalom Project 2025</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/IMG_6972.jpeg</image:loc><image:caption>IMG_6972</image:caption><image:title>IMG_6972</image:title></image:image><image:image><image:loc>https://blog.vergercapital.com/hubfs/IMG_6985.jpeg</image:loc><image:caption>IMG_6985</image:caption><image:title>IMG_6985</image:title></image:image><lastmod>2025-06-13</lastmod></url></urlset>