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    <!-- Home / Simple Calculator -->
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        <changefreq>weekly</changefreq>
        <priority>1.0</priority>
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    <!-- Advanced Calculator (V2) -->
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        <loc>https://retirement.gagneet.com/advanced-v2.html</loc>
        <lastmod>2026-11-06</lastmod>
        <changefreq>weekly</changefreq>
        <priority>0.95</priority>
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    <!-- Retirement V3 Calculator -->
    <url>
        <loc>https://retirement.gagneet.com/retirement.html</loc>
        <lastmod>2026-11-06</lastmod>
        <changefreq>weekly</changefreq>
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    <!-- Advanced Classic Calculator -->
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        <loc>https://retirement.gagneet.com/advanced.html</loc>
        <lastmod>2026-11-06</lastmod>
        <changefreq>weekly</changefreq>
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    <!-- Reverse Retirement Planner -->
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        <changefreq>weekly</changefreq>
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    <!-- How to Use Guide -->
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        <loc>https://retirement.gagneet.com/how-to-use.html</loc>
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        <changefreq>monthly</changefreq>
        <priority>0.8</priority>
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    <!-- Scenario Comparison Tool -->
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        <loc>https://retirement.gagneet.com/comparison.html</loc>
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    <!-- Retirement Insights -->
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        <loc>https://retirement.gagneet.com/insights.html</loc>
        <lastmod>2026-11-06</lastmod>
        <changefreq>weekly</changefreq>
        <priority>0.7</priority>
    </url>
    <!-- Methodology -->
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        <loc>https://retirement.gagneet.com/methodology.html</loc>
        <lastmod>2026-11-06</lastmod>
        <changefreq>monthly</changefreq>
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    </url>
    <!-- Assumptions -->
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        <loc>https://retirement.gagneet.com/assumptions.html</loc>
        <lastmod>2026-11-06</lastmod>
        <changefreq>monthly</changefreq>
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    </url>
    <!-- SMSF Guide -->
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        <loc>https://retirement.gagneet.com/smsf-guide.html</loc>
        <lastmod>2026-11-06</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.7</priority>
    </url>
    <!-- Trusts and Companies Guide -->
    <url>
        <loc>https://retirement.gagneet.com/trust-company-structure.html</loc>
        <lastmod>2026-11-06</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.7</priority>
    </url>
    <!-- Advanced Design Calculator -->
    <url>
        <loc>https://retirement.gagneet.com/advanced-design.html</loc>
        <lastmod>2026-11-06</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.6</priority>
    </url>
    <!-- Contact -->
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        <loc>https://retirement.gagneet.com/contact.html</loc>
        <lastmod>2026-11-06</lastmod>
        <changefreq>yearly</changefreq>
        <priority>0.5</priority>
    </url>
    <!-- Changelog -->
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        <loc>https://retirement.gagneet.com/changelog.html</loc>
        <lastmod>2026-11-06</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.5</priority>
    </url>
    <!-- V3 Design Review -->
    <url>
        <loc>https://retirement.gagneet.com/retirement_interactive.html</loc>
        <lastmod>2026-11-06</lastmod>
        <changefreq>yearly</changefreq>
        <priority>0.3</priority>
    </url>
    <!-- Privacy Policy -->
    <url>
        <loc>https://retirement.gagneet.com/privacy.html</loc>
        <lastmod>2026-11-06</lastmod>
        <changefreq>yearly</changefreq>
        <priority>0.3</priority>
    </url>
    <!-- Terms of Use -->
    <url>
        <loc>https://retirement.gagneet.com/terms.html</loc>
        <lastmod>2026-11-06</lastmod>
        <changefreq>yearly</changefreq>
        <priority>0.3</priority>
    </url>
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