<?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>

  <!-- 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>

  <!-- 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>
