<?xml version="1.0" encoding="UTF-8"?>
<!-- Canonical URLs are extensionless: Cloudflare Pages 308-redirects
     /about.html to /about, so listing the .html form would point every
     entry at a redirect.

     Not listed, deliberately: /thank-you (noindex by design), and
     pricing.html and services/insurance.html, which deploy.sh excludes
     from the build entirely. -->
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">

  <url>
    <loc>https://stonewellfinance.com/</loc>
    <lastmod>2026-08-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>1.0</priority>
  </url>

  <url>
    <loc>https://stonewellfinance.com/about</loc>
    <lastmod>2026-08-28</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://stonewellfinance.com/services/</loc>
    <lastmod>2026-08-28</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.9</priority>
  </url>

  <url>
    <loc>https://stonewellfinance.com/services/wealth-management</loc>
    <lastmod>2026-09-03</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://stonewellfinance.com/services/retirement-planning</loc>
    <lastmod>2026-09-03</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Tax planning is not a cleared service yet. If compliance says no or
       says wait, delete this <url> block and remove the page from the nav,
       the footer, and the services grid. See README. -->
  <url>
    <loc>https://stonewellfinance.com/services/tax-planning</loc>
    <lastmod>2026-09-03</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://stonewellfinance.com/contact</loc>
    <lastmod>2026-09-08</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://stonewellfinance.com/disclosures</loc>
    <lastmod>2026-08-28</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
</urlset>
