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      <image:title>Home - Low-cost retirement options to fit any affiliate</image:title>
      <image:caption>Everyone in the Heartbeat family, no matter the size of your organization or whether you already have a retirement plan, can start a 403(b) or IRA. Learn More</image:caption>
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      <image:title>Home - Compare Heartbeat 403(b) and IRA</image:title>
      <image:caption>Discover which Heartbeat Retirement option is best for your organization. Starting a new plan is easy. You will be guided through (1) getting approval from your board, (2) setting up your new plan/program, (3) rolling in your current retirement plan, (4) educating your staff, and (5) getting everyone enrolled. Learn More</image:caption>
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      <image:title>Home</image:title>
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      <image:title>Home - Faith-Based Investing</image:title>
      <image:caption>Investment Menus within Heartbeat Retirement Plans and IRAs can include options that avoid businesses involved in abortion as well as screening for companies involved in pornography, gambling, alcohol, and tobacco. *Not all investments are screened for these values.</image:caption>
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      <image:title>Start</image:title>
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    <lastmod>2019-10-01</lastmod>
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    <loc>https://heartbeat-retirement.com/systematic-investment-selection-process</loc>
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      <image:title>Systematic Investment Selection Process</image:title>
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