<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">
  <!-- Home -->
  <url>
    <loc>https://stockfocus.com/</loc>
    <lastmod>2026-04-26</lastmod>
    <changefreq>daily</changefreq>
    <priority>1.0</priority>
  </url>

  <!-- FLAGSHIP: Free Retirement & Tax Tools -->
  <url>
    <loc>https://stockfocus.com/retirement</loc>
    <lastmod>2026-04-26</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>
  <url>
    <loc>https://stockfocus.com/tax-estimator</loc>
    <lastmod>2026-04-26</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>
  <url>
    <loc>https://stockfocus.com/where-to-retire</loc>
    <lastmod>2026-04-26</lastmod>
    <changefreq>daily</changefreq>
    <priority>1.0</priority>
  </url>
  <url>
    <loc>https://stockfocus.com/social-security</loc>
    <lastmod>2026-04-26</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://stockfocus.com/ss-claiming</loc>
    <lastmod>2026-05-28</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.95</priority>
  </url>
  <url>
    <loc>https://stockfocus.com/roth-conversion</loc>
    <lastmod>2026-05-28</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.95</priority>
  </url>
  <url>
    <loc>https://stockfocus.com/rmd-calculator</loc>
    <lastmod>2026-05-28</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.95</priority>
  </url>
  <url>
    <loc>https://stockfocus.com/medicare-irmaa</loc>
    <lastmod>2026-05-28</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.95</priority>
  </url>
  <url>
    <loc>https://stockfocus.com/will-my-money-last</loc>
    <lastmod>2026-05-28</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.95</priority>
  </url>
  <url>
    <loc>https://stockfocus.com/methodology</loc>
    <lastmod>2026-05-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://stockfocus.com/pension-lump-sum</loc>
    <lastmod>2026-05-28</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.95</priority>
  </url>
  <url>
    <loc>https://stockfocus.com/withdrawal-sequence</loc>
    <lastmod>2026-05-28</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.95</priority>
  </url>
  <url>
    <loc>https://stockfocus.com/retirement-checklist</loc>
    <lastmod>2026-05-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://stockfocus.com/estate-basics</loc>
    <lastmod>2026-05-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://stockfocus.com/my-portfolio</loc>
    <lastmod>2026-05-28</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://stockfocus.com/my-plan</loc>
    <lastmod>2026-05-28</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.85</priority>
  </url>

  <!-- Note: All 180+ individual /where-to-retire/:slug city pages are listed in
       https://stockfocus.com/api/sitemap-cities.xml (linked from robots.txt). -->

  <!-- Financial Health & Coaching -->
  <url>
    <loc>https://stockfocus.com/financial-health</loc>
    <lastmod>2026-04-26</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://stockfocus.com/financial-coach</loc>
    <lastmod>2026-04-26</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://stockfocus.com/scenario-planner</loc>
    <lastmod>2026-04-26</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://stockfocus.com/milestones</loc>
    <lastmod>2026-04-26</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://stockfocus.com/spending-insights</loc>
    <lastmod>2026-04-26</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://stockfocus.com/budget</loc>
    <lastmod>2026-04-26</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://stockfocus.com/financial-goals</loc>
    <lastmod>2026-04-26</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Education -->
  <url>
    <loc>https://stockfocus.com/education</loc>
    <lastmod>2026-04-26</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://stockfocus.com/insights</loc>
    <lastmod>2026-04-26</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://stockfocus.com/insights/using-stockfocus-for-retirement-planning</loc>
    <lastmod>2026-04-26</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://stockfocus.com/insights/recommended-books</loc>
    <lastmod>2026-04-26</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://stockfocus.com/insights/how-ai-helps-individual-investors</loc>
    <lastmod>2026-04-26</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://stockfocus.com/insights/choosing-investment-newsletters-with-data</loc>
    <lastmod>2026-04-26</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>

  <!-- Tools Index -->
  <url>
    <loc>https://stockfocus.com/tools</loc>
    <lastmod>2026-04-26</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Investment & Portfolio Tools (Secondary) -->
  <url>
    <loc>https://stockfocus.com/portfolio</loc>
    <lastmod>2026-04-26</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://stockfocus.com/portfolio-performance</loc>
    <lastmod>2026-04-26</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://stockfocus.com/dividends</loc>
    <lastmod>2026-04-26</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://stockfocus.com/rebalancing</loc>
    <lastmod>2026-04-26</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://stockfocus.com/news-sentiment</loc>
    <lastmod>2026-04-26</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://stockfocus.com/investment-newsletters</loc>
    <lastmod>2026-04-26</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://stockfocus.com/crypto-exchanges</loc>
    <lastmod>2026-04-26</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://stockfocus.com/advisor-lookup</loc>
    <lastmod>2026-04-26</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://stockfocus.com/newsletter</loc>
    <lastmod>2026-04-26</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.5</priority>
  </url>

  <!-- Account / About / Pricing -->
  <url>
    <loc>https://stockfocus.com/pricing</loc>
    <lastmod>2026-04-26</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://stockfocus.com/about</loc>
    <lastmod>2026-04-26</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://stockfocus.com/contact</loc>
    <lastmod>2026-04-26</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>

  <!-- 2026 retirement listicles (high-intent SEO landing pages) -->
  <url>
    <loc>https://stockfocus.com/cheapest-places-to-retire-2026</loc>
    <lastmod>2026-05-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://stockfocus.com/best-places-to-retire-on-social-security</loc>
    <lastmod>2026-05-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://stockfocus.com/safest-countries-to-retire</loc>
    <lastmod>2026-05-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Best states to retire hub (ranked listicle) -->
  <url><loc>https://stockfocus.com/best-states-to-retire-2026</loc><lastmod>2026-05-28</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>

  <!-- US state retirement guides (high-volume "retire in X" SEO) -->
  <url><loc>https://stockfocus.com/retire-in-florida</loc><lastmod>2026-05-28</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://stockfocus.com/retire-in-arizona</loc><lastmod>2026-05-28</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://stockfocus.com/retire-in-texas</loc><lastmod>2026-05-28</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://stockfocus.com/retire-in-north-carolina</loc><lastmod>2026-05-28</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://stockfocus.com/retire-in-south-carolina</loc><lastmod>2026-05-28</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://stockfocus.com/retire-in-tennessee</loc><lastmod>2026-05-28</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://stockfocus.com/retire-in-georgia</loc><lastmod>2026-05-28</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://stockfocus.com/retire-in-nevada</loc><lastmod>2026-05-28</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://stockfocus.com/retire-in-virginia</loc><lastmod>2026-05-28</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://stockfocus.com/retire-in-alabama</loc><lastmod>2026-05-28</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://stockfocus.com/retire-in-delaware</loc><lastmod>2026-05-28</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://stockfocus.com/retire-in-new-hampshire</loc><lastmod>2026-05-28</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>

  <!-- State-vs-state retirement comparisons (canonical: lex-sorted slugs) -->
  <url><loc>https://stockfocus.com/state-compare/arizona-vs-florida</loc><lastmod>2026-05-28</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://stockfocus.com/state-compare/florida-vs-texas</loc><lastmod>2026-05-28</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://stockfocus.com/state-compare/florida-vs-tennessee</loc><lastmod>2026-05-28</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://stockfocus.com/state-compare/florida-vs-south-carolina</loc><lastmod>2026-05-28</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://stockfocus.com/state-compare/florida-vs-north-carolina</loc><lastmod>2026-05-28</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://stockfocus.com/state-compare/florida-vs-georgia</loc><lastmod>2026-05-28</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://stockfocus.com/state-compare/arizona-vs-nevada</loc><lastmod>2026-05-28</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://stockfocus.com/state-compare/arizona-vs-texas</loc><lastmod>2026-05-28</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://stockfocus.com/state-compare/tennessee-vs-texas</loc><lastmod>2026-05-28</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://stockfocus.com/state-compare/north-carolina-vs-south-carolina</loc><lastmod>2026-05-28</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://stockfocus.com/state-compare/north-carolina-vs-tennessee</loc><lastmod>2026-05-28</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://stockfocus.com/state-compare/georgia-vs-south-carolina</loc><lastmod>2026-05-28</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://stockfocus.com/state-compare/georgia-vs-tennessee</loc><lastmod>2026-05-28</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://stockfocus.com/state-compare/delaware-vs-florida</loc><lastmod>2026-05-28</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://stockfocus.com/state-compare/florida-vs-new-hampshire</loc><lastmod>2026-05-28</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://stockfocus.com/state-compare/alabama-vs-florida</loc><lastmod>2026-05-28</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://stockfocus.com/state-compare/florida-vs-virginia</loc><lastmod>2026-05-28</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>

  <!-- Country retirement guides (high-volume "retire in X" SEO) -->
  <url><loc>https://stockfocus.com/retire-in-portugal</loc><lastmod>2026-05-28</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://stockfocus.com/retire-in-mexico</loc><lastmod>2026-05-28</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://stockfocus.com/retire-in-spain</loc><lastmod>2026-05-28</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://stockfocus.com/retire-in-italy</loc><lastmod>2026-05-28</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://stockfocus.com/retire-in-france</loc><lastmod>2026-05-28</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://stockfocus.com/retire-in-greece</loc><lastmod>2026-05-28</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://stockfocus.com/retire-in-thailand</loc><lastmod>2026-05-28</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://stockfocus.com/retire-in-panama</loc><lastmod>2026-05-28</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://stockfocus.com/retire-in-vietnam</loc><lastmod>2026-05-28</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://stockfocus.com/retire-in-malta</loc><lastmod>2026-05-28</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://stockfocus.com/retire-in-malaysia</loc><lastmod>2026-05-28</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://stockfocus.com/retire-in-ecuador</loc><lastmod>2026-05-28</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://stockfocus.com/retire-in-colombia</loc><lastmod>2026-05-28</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://stockfocus.com/retire-in-new-zealand</loc><lastmod>2026-05-28</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://stockfocus.com/retire-in-belize</loc><lastmod>2026-05-28</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>

  <!-- Popular city-vs-city comparisons (slugs sorted lexicographically per canonical) -->
  <url><loc>https://stockfocus.com/compare/lisbon-portugal-vs-porto-portugal</loc><lastmod>2026-05-28</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://stockfocus.com/compare/algarve-portugal-vs-lisbon-portugal</loc><lastmod>2026-05-28</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://stockfocus.com/compare/algarve-portugal-vs-porto-portugal</loc><lastmod>2026-05-28</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://stockfocus.com/compare/chiang-mai-thailand-vs-hoi-an-vietnam</loc><lastmod>2026-05-28</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://stockfocus.com/compare/chiang-mai-thailand-vs-da-nang-vietnam</loc><lastmod>2026-05-28</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://stockfocus.com/compare/chiang-mai-thailand-vs-siem-reap-cambodia</loc><lastmod>2026-05-28</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://stockfocus.com/compare/lake-chapala-mexico-vs-oaxaca-mexico</loc><lastmod>2026-05-28</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://stockfocus.com/compare/merida-mexico-vs-oaxaca-mexico</loc><lastmod>2026-05-28</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://stockfocus.com/compare/merida-mexico-vs-playa-del-carmen-mexico</loc><lastmod>2026-05-28</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://stockfocus.com/compare/lake-chapala-mexico-vs-san-miguel-de-allende-mexico</loc><lastmod>2026-05-28</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://stockfocus.com/compare/lisbon-portugal-vs-valencia-spain</loc><lastmod>2026-05-28</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://stockfocus.com/compare/malaga-spain-vs-valencia-spain</loc><lastmod>2026-05-28</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://stockfocus.com/compare/madrid-spain-vs-valencia-spain</loc><lastmod>2026-05-28</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://stockfocus.com/compare/bari-italy-vs-lecce-italy</loc><lastmod>2026-05-28</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://stockfocus.com/compare/florence-italy-vs-rome-italy</loc><lastmod>2026-05-28</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://stockfocus.com/compare/medellin-colombia-vs-panama-city-panama</loc><lastmod>2026-05-28</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://stockfocus.com/compare/boquete-panama-vs-panama-city-panama</loc><lastmod>2026-05-28</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://stockfocus.com/compare/cuenca-ecuador-vs-medellin-colombia</loc><lastmod>2026-05-28</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://stockfocus.com/compare/asheville-united-states-vs-sarasota-united-states</loc><lastmod>2026-05-28</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://stockfocus.com/compare/sarasota-united-states-vs-the-villages-united-states</loc><lastmod>2026-05-28</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://stockfocus.com/compare/scottsdale-united-states-vs-tucson-united-states</loc><lastmod>2026-05-28</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://stockfocus.com/compare/charleston-united-states-vs-savannah-united-states</loc><lastmod>2026-05-28</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>

  <!-- Legal -->
  <url>
    <loc>https://stockfocus.com/privacy</loc>
    <lastmod>2026-04-26</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://stockfocus.com/terms</loc>
    <lastmod>2026-04-26</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://stockfocus.com/affiliate-disclosure</loc>
    <lastmod>2026-04-26</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
</urlset>
