<?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 (/dashboard, /account*,
       /retirees*, /login, /forgot-password) — Search Console reports that
       pairing as an error, not a preference.
    2. Apex host only. www.ssincomeplanner.com serves the same site at 200 with
       no canonical tag, so the apex URLs here are the only signal Google gets
       about which of the two hostnames is the real one.

  /demo is listed because app.demo.enabled is true (checked via /api/config).
  ⚠️ If that flag is ever turned off the route redirects home — drop the entry.

  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/demo</loc></url>
  <url><loc>https://ssincomeplanner.com/for-advisors</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>
