<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">

  <!-- Primary pages -->
  <url><loc>https://goodwinadvisor.com/</loc><changefreq>weekly</changefreq><priority>1.0</priority></url>
  <url><loc>https://goodwinadvisor.com/about</loc><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://goodwinadvisor.com/contact</loc><changefreq>monthly</changefreq><priority>0.9</priority></url>

  <!-- Services hub + 9 service detail pages -->
  <url><loc>https://goodwinadvisor.com/services</loc><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://goodwinadvisor.com/services/comprehensive-financial-planning</loc><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://goodwinadvisor.com/services/retirement-planning</loc><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://goodwinadvisor.com/services/income-tax-planning</loc><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://goodwinadvisor.com/services/investment-planning</loc><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://goodwinadvisor.com/services/mutual-fund-investments</loc><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://goodwinadvisor.com/services/life-insurance-planning</loc><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://goodwinadvisor.com/services/health-insurance-planning</loc><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://goodwinadvisor.com/services/child-education-planning</loc><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://goodwinadvisor.com/services/estate-planning</loc><changefreq>monthly</changefreq><priority>0.7</priority></url>

  <!-- Calculators hub + 3 individual calculator pages -->
  <url><loc>https://goodwinadvisor.com/calculators</loc><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://goodwinadvisor.com/calculators/sip</loc><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://goodwinadvisor.com/calculators/emi</loc><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://goodwinadvisor.com/calculators/mf-returns</loc><changefreq>monthly</changefreq><priority>0.7</priority></url>

  <!-- Insights / Blog -->
  <url><loc>https://goodwinadvisor.com/blog</loc><changefreq>weekly</changefreq><priority>0.7</priority></url>
  <url><loc>https://goodwinadvisor.com/blog/sip-vs-lump-sum-backtest</loc><changefreq>yearly</changefreq><priority>0.5</priority></url>
  <url><loc>https://goodwinadvisor.com/blog/one-crore-retirement-50k-salary</loc><changefreq>yearly</changefreq><priority>0.5</priority></url>
  <url><loc>https://goodwinadvisor.com/blog/80c-beyond-elss</loc><changefreq>yearly</changefreq><priority>0.5</priority></url>

  <!-- Legal -->
  <url><loc>https://goodwinadvisor.com/privacy-policy</loc><changefreq>yearly</changefreq><priority>0.3</priority></url>
  <url><loc>https://goodwinadvisor.com/terms</loc><changefreq>yearly</changefreq><priority>0.3</priority></url>

</urlset>
