<?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, /reset-password) — 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.

  /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>
