<?xml version="1.0" encoding="UTF-8"?>
<!--
  sitemap-pages.xml
  Place at: /public_html/sitemap-pages.xml
  Static pages for financialfocusllc.com.
  Individual Insights articles are NOT listed here — they come from sitemap-blog.xml.
-->
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">

  <!-- Homepage -->
  <url>
    <loc>https://www.financialfocusllc.com/</loc>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>

  <!-- Financial services hub -->
  <url>
    <loc>https://www.financialfocusllc.com/carlsbad-financial-services.php</loc>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Financial services pages -->
  <url>
    <loc>https://www.financialfocusllc.com/carlsbad-financial-planning.php</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://www.financialfocusllc.com/carlsbad-investment-management.php</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://www.financialfocusllc.com/carlsbad-retirement-planning.php</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://www.financialfocusllc.com/carlsbad-estate-planning.php</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Business services hub -->
  <url>
    <loc>https://www.financialfocusllc.com/carlsbad-business-services.php</loc>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Business services pages -->
  <url>
    <loc>https://www.financialfocusllc.com/carlsbad-business-retirement-plans.php</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://www.financialfocusllc.com/carlsbad-business-succession-planning.php</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://www.financialfocusllc.com/carlsbad-business-executive-compensation.php</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Insights index (blog listing) -->
  <url>
    <loc>https://www.financialfocusllc.com/insights.php</loc>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Quarterly market update -->
  <url>
    <loc>https://www.financialfocusllc.com/market-update.php</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- About -->
  <url>
    <loc>https://www.financialfocusllc.com/about.php</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Team bio pages -->
  <url>
    <loc>https://www.financialfocusllc.com/team-barbara.php</loc>
    <changefreq>yearly</changefreq>
    <priority>0.5</priority>
  </url>

  <url>
    <loc>https://www.financialfocusllc.com/team-billie.php</loc>
    <changefreq>yearly</changefreq>
    <priority>0.5</priority>
  </url>

  <url>
    <loc>https://www.financialfocusllc.com/team-jay.php</loc>
    <changefreq>yearly</changefreq>
    <priority>0.5</priority>
  </url>

  <url>
    <loc>https://www.financialfocusllc.com/team-jerrie.php</loc>
    <changefreq>yearly</changefreq>
    <priority>0.5</priority>
  </url>

  <url>
    <loc>https://www.financialfocusllc.com/team-olga.php</loc>
    <changefreq>yearly</changefreq>
    <priority>0.5</priority>
  </url>

  <url>
    <loc>https://www.financialfocusllc.com/team-olivia.php</loc>
    <changefreq>yearly</changefreq>
    <priority>0.5</priority>
  </url>

  <url>
    <loc>https://www.financialfocusllc.com/team-robin.php</loc>
    <changefreq>yearly</changefreq>
    <priority>0.5</priority>
  </url>

  <url>
    <loc>https://www.financialfocusllc.com/team-shannon.php</loc>
    <changefreq>yearly</changefreq>
    <priority>0.5</priority>
  </url>

  <!-- Contact -->
  <url>
    <loc>https://www.financialfocusllc.com/contact.php</loc>
    <changefreq>yearly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Resources hub -->
  <url>
    <loc>https://www.financialfocusllc.com/resources.php</loc>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>

  <!-- Resources: calculators and reference pages -->
  <url>
    <loc>https://www.financialfocusllc.com/networth.php</loc>
    <changefreq>yearly</changefreq>
    <priority>0.4</priority>
  </url>

  <url>
    <loc>https://www.financialfocusllc.com/expense.php</loc>
    <changefreq>yearly</changefreq>
    <priority>0.4</priority>
  </url>

  <url>
    <loc>https://www.financialfocusllc.com/compounding.php</loc>
    <changefreq>yearly</changefreq>
    <priority>0.4</priority>
  </url>

  <url>
    <loc>https://www.financialfocusllc.com/amortization.php</loc>
    <changefreq>yearly</changefreq>
    <priority>0.4</priority>
  </url>

  <url>
    <loc>https://www.financialfocusllc.com/ssfacts.php</loc>
    <changefreq>yearly</changefreq>
    <priority>0.4</priority>
  </url>

</urlset>
