<?xml version="1.0" encoding="UTF-8"?>
<!--
  ssincomeplanner.com — public pages only.

  Keep in step with App.tsx and public/robots.txt. Two rules:
    1. Never list a URL that robots.txt disallows (/account*, /retirees*, /login,
       /forgot-password, /reset-password, /verify-email) — Search Console reports that pairing as an
       error, not a preference.
    2. Apex host only. nginx 301s www.ssincomeplanner.com to the apex (runbook § 3.9) and Layout.tsx
       writes a per-route <link rel="canonical"> on the apex host, so these <loc> values must agree
       with both — an apex URL here is the third copy of the same statement.

  No <lastmod>: nothing regenerates this file, so a date here would be wrong within a deploy or two,
  and Google discounts lastmod it finds unreliable. <changefreq>/<priority> are omitted because Google
  ignores them.
-->
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">
  <url><loc>https://ssincomeplanner.com/</loc></url>
  <url><loc>https://ssincomeplanner.com/signup</loc></url>
  <url><loc>https://ssincomeplanner.com/help</loc></url>
  <url><loc>https://ssincomeplanner.com/testimonials</loc></url>
  <url><loc>https://ssincomeplanner.com/contact</loc></url>
  <url><loc>https://ssincomeplanner.com/privacy</loc></url>
  <url><loc>https://ssincomeplanner.com/eula</loc></url>
</urlset>
