<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">
<url>
<loc>http://localhost:3000</loc>
<changefreq>monthly</changefreq>
<priority>1</priority>
</url>
<url>
<loc>http://localhost:3000/insurance</loc>
<changefreq>monthly</changefreq>
<priority>0.9</priority>
</url>
<url>
<loc>http://localhost:3000/investments</loc>
<changefreq>monthly</changefreq>
<priority>0.9</priority>
</url>
<url>
<loc>http://localhost:3000/contact</loc>
<changefreq>monthly</changefreq>
<priority>0.9</priority>
</url>
<url>
<loc>http://localhost:3000/insurance/life-insurance</loc>
<changefreq>monthly</changefreq>
<priority>0.85</priority>
</url>
<url>
<loc>http://localhost:3000/insurance/critical-illness</loc>
<changefreq>monthly</changefreq>
<priority>0.85</priority>
</url>
<url>
<loc>http://localhost:3000/insurance/disability-insurance</loc>
<changefreq>monthly</changefreq>
<priority>0.85</priority>
</url>
<url>
<loc>http://localhost:3000/investments/investment-planning</loc>
<changefreq>monthly</changefreq>
<priority>0.85</priority>
</url>
<url>
<loc>http://localhost:3000/investments/registered-accounts</loc>
<changefreq>monthly</changefreq>
<priority>0.85</priority>
</url>
<url>
<loc>http://localhost:3000/investments/retirement-planning</loc>
<changefreq>monthly</changefreq>
<priority>0.85</priority>
</url>
<url>
<loc>http://localhost:3000/investments/education-savings</loc>
<changefreq>monthly</changefreq>
<priority>0.85</priority>
</url>
<url>
<loc>http://localhost:3000/service-areas</loc>
<changefreq>monthly</changefreq>
<priority>0.8</priority>
</url>
<url>
<loc>http://localhost:3000/service-areas/toronto</loc>
<changefreq>monthly</changefreq>
<priority>0.75</priority>
</url>
<url>
<loc>http://localhost:3000/service-areas/mississauga</loc>
<changefreq>monthly</changefreq>
<priority>0.75</priority>
</url>
<url>
<loc>http://localhost:3000/service-areas/brampton</loc>
<changefreq>monthly</changefreq>
<priority>0.75</priority>
</url>
<url>
<loc>http://localhost:3000/service-areas/oakville</loc>
<changefreq>monthly</changefreq>
<priority>0.75</priority>
</url>
<url>
<loc>http://localhost:3000/service-areas/milton</loc>
<changefreq>monthly</changefreq>
<priority>0.75</priority>
</url>
<url>
<loc>http://localhost:3000/service-areas/hamilton</loc>
<changefreq>monthly</changefreq>
<priority>0.75</priority>
</url>
<url>
<loc>http://localhost:3000/service-areas/kitchener</loc>
<changefreq>monthly</changefreq>
<priority>0.75</priority>
</url>
<url>
<loc>http://localhost:3000/service-areas/waterloo</loc>
<changefreq>monthly</changefreq>
<priority>0.75</priority>
</url>
<url>
<loc>http://localhost:3000/service-areas/cambridge</loc>
<changefreq>monthly</changefreq>
<priority>0.75</priority>
</url>
<url>
<loc>http://localhost:3000/service-areas/guelph</loc>
<changefreq>monthly</changefreq>
<priority>0.75</priority>
</url>
<url>
<loc>http://localhost:3000/service-areas/london</loc>
<changefreq>monthly</changefreq>
<priority>0.75</priority>
</url>
<url>
<loc>http://localhost:3000/service-areas/windsor</loc>
<changefreq>monthly</changefreq>
<priority>0.75</priority>
</url>
<url>
<loc>http://localhost:3000/service-areas/markham</loc>
<changefreq>monthly</changefreq>
<priority>0.75</priority>
</url>
<url>
<loc>http://localhost:3000/service-areas/ottawa</loc>
<changefreq>monthly</changefreq>
<priority>0.75</priority>
</url>
<url>
<loc>http://localhost:3000/service-areas/across-canada</loc>
<changefreq>monthly</changefreq>
<priority>0.6</priority>
</url>
<url>
<loc>http://localhost:3000/about</loc>
<changefreq>monthly</changefreq>
<priority>0.8</priority>
</url>
<url>
<loc>http://localhost:3000/who-i-help</loc>
<changefreq>monthly</changefreq>
<priority>0.8</priority>
</url>
<url>
<loc>http://localhost:3000/tools</loc>
<changefreq>monthly</changefreq>
<priority>0.7</priority>
</url>
<url>
<loc>http://localhost:3000/tools/life-insurance-calculator</loc>
<changefreq>monthly</changefreq>
<priority>0.75</priority>
</url>
<url>
<loc>http://localhost:3000/faq</loc>
<changefreq>monthly</changefreq>
<priority>0.7</priority>
</url>
<url>
<loc>http://localhost:3000/insights</loc>
<changefreq>monthly</changefreq>
<priority>0.7</priority>
</url>
<url>
<loc>http://localhost:3000/insights/term-vs-permanent-life-insurance</loc>
<lastmod>2026-10-07</lastmod>
<changefreq>yearly</changefreq>
<priority>0.6</priority>
</url>
<url>
<loc>http://localhost:3000/insights/tfsa-rrsp-fhsa-resp-explained</loc>
<lastmod>2026-10-07</lastmod>
<changefreq>yearly</changefreq>
<priority>0.6</priority>
</url>
<url>
<loc>http://localhost:3000/insights/newcomer-first-year-financial-checklist</loc>
<lastmod>2026-10-07</lastmod>
<changefreq>yearly</changefreq>
<priority>0.6</priority>
</url>
<url>
<loc>http://localhost:3000/privacy</loc>
<changefreq>yearly</changefreq>
<priority>0.3</priority>
</url>
<url>
<loc>http://localhost:3000/disclosures</loc>
<changefreq>yearly</changefreq>
<priority>0.3</priority>
</url>
</urlset>
