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

  <!-- Core pages -->
  <url>
    <loc>https://canadianwealthplanners.ca/</loc>
    <changefreq>monthly</changefreq>
    <priority>1.0</priority>
  </url>
  <url>
    <loc>https://canadianwealthplanners.ca/about</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://canadianwealthplanners.ca/services</loc>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://canadianwealthplanners.ca/resources</loc>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://canadianwealthplanners.ca/book</loc>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://canadianwealthplanners.ca/join</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://canadianwealthplanners.ca/contact</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Free tools (landing pages only — calculators are gated/noindex) -->
  <url>
    <loc>https://canadianwealthplanners.ca/tools/renewal-shock</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://canadianwealthplanners.ca/tools/mortgage-mate</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://canadianwealthplanners.ca/tools/debt-stacker</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Legal pages -->
  <url>
    <loc>https://canadianwealthplanners.ca/privacy-policy</loc>
    <changefreq>yearly</changefreq>
    <priority>0.2</priority>
  </url>
  <url>
    <loc>https://canadianwealthplanners.ca/terms</loc>
    <changefreq>yearly</changefreq>
    <priority>0.2</priority>
  </url>
  <url>
    <loc>https://canadianwealthplanners.ca/disclaimer</loc>
    <changefreq>yearly</changefreq>
    <priority>0.2</priority>
  </url>

  <!-- Articles -->
  <url>
    <loc>https://canadianwealthplanners.ca/resources/financial-clarity-consultation</loc>
    <changefreq>yearly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://canadianwealthplanners.ca/resources/resp-free-money</loc>
    <changefreq>yearly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://canadianwealthplanners.ca/resources/group-benefits-at-work</loc>
    <changefreq>yearly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://canadianwealthplanners.ca/resources/rrsp-vs-tfsa</loc>
    <changefreq>yearly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://canadianwealthplanners.ca/resources/good-debt-vs-bad-debt</loc>
    <changefreq>yearly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://canadianwealthplanners.ca/resources/business-owner-protection-gaps</loc>
    <changefreq>yearly</changefreq>
    <priority>0.6</priority>
  </url>

</urlset>
