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  <!-- Home + foundations -->
  <url><loc>https://wealthwatch.ai/</loc><lastmod>2026-05-11</lastmod><changefreq>weekly</changefreq><priority>1.00</priority></url>
  <url><loc>https://wealthwatch.ai/features</loc><lastmod>2026-05-11</lastmod><changefreq>monthly</changefreq><priority>0.85</priority></url>
  <url><loc>https://wealthwatch.ai/forgot-password</loc><lastmod>2026-04-30</lastmod><changefreq>monthly</changefreq><priority>0.70</priority></url>
  <url><loc>https://wealthwatch.ai/paywall</loc><lastmod>2026-05-10</lastmod><changefreq>monthly</changefreq><priority>0.70</priority></url>
  <url><loc>https://wealthwatch.ai/register</loc><lastmod>2026-04-22</lastmod><changefreq>monthly</changefreq><priority>0.70</priority></url>
  <url><loc>https://wealthwatch.ai/invite</loc><lastmod>2026-04-28</lastmod><changefreq>monthly</changefreq><priority>0.60</priority></url>
  <url><loc>https://wealthwatch.ai/login</loc><lastmod>2026-05-01</lastmod><changefreq>monthly</changefreq><priority>0.50</priority></url>
  <url><loc>https://wealthwatch.ai/privacy</loc><lastmod>2026-05-06</lastmod><changefreq>yearly</changefreq><priority>0.30</priority></url>
  <url><loc>https://wealthwatch.ai/terms</loc><lastmod>2026-05-06</lastmod><changefreq>yearly</changefreq><priority>0.30</priority></url>

  <!-- Pro-feature landings -->
  <url><loc>https://wealthwatch.ai/portfolio-perspectives</loc><lastmod>2026-05-11</lastmod><changefreq>monthly</changefreq><priority>0.92</priority></url>
  <url><loc>https://wealthwatch.ai/stock-research-tool</loc><lastmod>2026-05-11</lastmod><changefreq>monthly</changefreq><priority>0.92</priority></url>
  <url><loc>https://wealthwatch.ai/trading-analytics</loc><lastmod>2026-05-11</lastmod><changefreq>monthly</changefreq><priority>0.92</priority></url>

  <!-- Per-symbol research -->
  <url><loc>https://wealthwatch.ai/research/AAPL</loc><lastmod>2026-05-11</lastmod><changefreq>daily</changefreq><priority>0.70</priority></url>
  <url><loc>https://wealthwatch.ai/research/AMD</loc><lastmod>2026-05-11</lastmod><changefreq>daily</changefreq><priority>0.70</priority></url>
  <url><loc>https://wealthwatch.ai/research/AMZN</loc><lastmod>2026-05-11</lastmod><changefreq>daily</changefreq><priority>0.70</priority></url>
  <url><loc>https://wealthwatch.ai/research/BA</loc><lastmod>2026-05-11</lastmod><changefreq>daily</changefreq><priority>0.70</priority></url>
  <url><loc>https://wealthwatch.ai/research/BMO.TO</loc><lastmod>2026-05-11</lastmod><changefreq>daily</changefreq><priority>0.70</priority></url>
  <url><loc>https://wealthwatch.ai/research/BNS.TO</loc><lastmod>2026-05-11</lastmod><changefreq>daily</changefreq><priority>0.70</priority></url>
  <url><loc>https://wealthwatch.ai/research/BRK.B</loc><lastmod>2026-05-11</lastmod><changefreq>daily</changefreq><priority>0.70</priority></url>
  <url><loc>https://wealthwatch.ai/research/CAT</loc><lastmod>2026-05-11</lastmod><changefreq>daily</changefreq><priority>0.70</priority></url>
  <url><loc>https://wealthwatch.ai/research/CM.TO</loc><lastmod>2026-05-11</lastmod><changefreq>daily</changefreq><priority>0.70</priority></url>
  <url><loc>https://wealthwatch.ai/research/CNR.TO</loc><lastmod>2026-05-11</lastmod><changefreq>daily</changefreq><priority>0.70</priority></url>
  <url><loc>https://wealthwatch.ai/research/COST</loc><lastmod>2026-05-11</lastmod><changefreq>daily</changefreq><priority>0.70</priority></url>
  <url><loc>https://wealthwatch.ai/research/CVX</loc><lastmod>2026-05-11</lastmod><changefreq>daily</changefreq><priority>0.70</priority></url>
  <url><loc>https://wealthwatch.ai/research/DIA</loc><lastmod>2026-05-11</lastmod><changefreq>daily</changefreq><priority>0.70</priority></url>
  <url><loc>https://wealthwatch.ai/research/DIS</loc><lastmod>2026-05-11</lastmod><changefreq>daily</changefreq><priority>0.70</priority></url>
  <url><loc>https://wealthwatch.ai/research/ENB.TO</loc><lastmod>2026-05-11</lastmod><changefreq>daily</changefreq><priority>0.70</priority></url>
  <url><loc>https://wealthwatch.ai/research/GOOGL</loc><lastmod>2026-05-11</lastmod><changefreq>daily</changefreq><priority>0.70</priority></url>
  <url><loc>https://wealthwatch.ai/research/HD</loc><lastmod>2026-05-11</lastmod><changefreq>daily</changefreq><priority>0.70</priority></url>
  <url><loc>https://wealthwatch.ai/research/IWM</loc><lastmod>2026-05-11</lastmod><changefreq>daily</changefreq><priority>0.70</priority></url>
  <url><loc>https://wealthwatch.ai/research/JNJ</loc><lastmod>2026-05-11</lastmod><changefreq>daily</changefreq><priority>0.70</priority></url>
  <url><loc>https://wealthwatch.ai/research/JPM</loc><lastmod>2026-05-11</lastmod><changefreq>daily</changefreq><priority>0.70</priority></url>
  <url><loc>https://wealthwatch.ai/research/MA</loc><lastmod>2026-05-11</lastmod><changefreq>daily</changefreq><priority>0.70</priority></url>
  <url><loc>https://wealthwatch.ai/research/META</loc><lastmod>2026-05-11</lastmod><changefreq>daily</changefreq><priority>0.70</priority></url>
  <url><loc>https://wealthwatch.ai/research/MSFT</loc><lastmod>2026-05-11</lastmod><changefreq>daily</changefreq><priority>0.70</priority></url>
  <url><loc>https://wealthwatch.ai/research/NFLX</loc><lastmod>2026-05-11</lastmod><changefreq>daily</changefreq><priority>0.70</priority></url>
  <url><loc>https://wealthwatch.ai/research/NVDA</loc><lastmod>2026-05-11</lastmod><changefreq>daily</changefreq><priority>0.70</priority></url>
  <url><loc>https://wealthwatch.ai/research/PFE</loc><lastmod>2026-05-11</lastmod><changefreq>daily</changefreq><priority>0.70</priority></url>
  <url><loc>https://wealthwatch.ai/research/QQQ</loc><lastmod>2026-05-11</lastmod><changefreq>daily</changefreq><priority>0.70</priority></url>
  <url><loc>https://wealthwatch.ai/research/RY.TO</loc><lastmod>2026-05-11</lastmod><changefreq>daily</changefreq><priority>0.70</priority></url>
  <url><loc>https://wealthwatch.ai/research/SHOP.TO</loc><lastmod>2026-05-11</lastmod><changefreq>daily</changefreq><priority>0.70</priority></url>
  <url><loc>https://wealthwatch.ai/research/SPY</loc><lastmod>2026-05-11</lastmod><changefreq>daily</changefreq><priority>0.70</priority></url>
  <url><loc>https://wealthwatch.ai/research/TD.TO</loc><lastmod>2026-05-11</lastmod><changefreq>daily</changefreq><priority>0.70</priority></url>
  <url><loc>https://wealthwatch.ai/research/TSLA</loc><lastmod>2026-05-11</lastmod><changefreq>daily</changefreq><priority>0.70</priority></url>
  <url><loc>https://wealthwatch.ai/research/UNH</loc><lastmod>2026-05-11</lastmod><changefreq>daily</changefreq><priority>0.70</priority></url>
  <url><loc>https://wealthwatch.ai/research/V</loc><lastmod>2026-05-11</lastmod><changefreq>daily</changefreq><priority>0.70</priority></url>
  <url><loc>https://wealthwatch.ai/research/VFV.TO</loc><lastmod>2026-05-11</lastmod><changefreq>daily</changefreq><priority>0.70</priority></url>
  <url><loc>https://wealthwatch.ai/research/VOO</loc><lastmod>2026-05-11</lastmod><changefreq>daily</changefreq><priority>0.70</priority></url>
  <url><loc>https://wealthwatch.ai/research/VTI</loc><lastmod>2026-05-11</lastmod><changefreq>daily</changefreq><priority>0.70</priority></url>
  <url><loc>https://wealthwatch.ai/research/WMT</loc><lastmod>2026-05-11</lastmod><changefreq>daily</changefreq><priority>0.70</priority></url>
  <url><loc>https://wealthwatch.ai/research/XEQT.TO</loc><lastmod>2026-05-11</lastmod><changefreq>daily</changefreq><priority>0.70</priority></url>
  <url><loc>https://wealthwatch.ai/research/XOM</loc><lastmod>2026-05-11</lastmod><changefreq>daily</changefreq><priority>0.70</priority></url>

  <!-- CA / generic calculators -->
  <url><loc>https://wealthwatch.ai/acb-calculator</loc><lastmod>2026-04-28</lastmod><changefreq>monthly</changefreq><priority>0.90</priority></url>
  <url><loc>https://wealthwatch.ai/capital-gains-calculator</loc><lastmod>2026-04-30</lastmod><changefreq>monthly</changefreq><priority>0.90</priority></url>
  <url><loc>https://wealthwatch.ai/compound-interest-calculator</loc><lastmod>2026-05-06</lastmod><changefreq>monthly</changefreq><priority>0.90</priority></url>
  <url><loc>https://wealthwatch.ai/net-worth-percentile-calculator</loc><lastmod>2026-05-06</lastmod><changefreq>monthly</changefreq><priority>0.90</priority></url>
  <url><loc>https://wealthwatch.ai/net-worth-tracker</loc><lastmod>2026-04-28</lastmod><changefreq>monthly</changefreq><priority>0.90</priority></url>
  <url><loc>https://wealthwatch.ai/portfolio-tracker-canada</loc><lastmod>2026-04-28</lastmod><changefreq>monthly</changefreq><priority>0.90</priority></url>
  <url><loc>https://wealthwatch.ai/rule-of-72-calculator</loc><lastmod>2026-05-06</lastmod><changefreq>monthly</changefreq><priority>0.85</priority></url>
  <url><loc>https://wealthwatch.ai/dividend-tracker</loc><lastmod>2026-04-28</lastmod><changefreq>monthly</changefreq><priority>0.80</priority></url>
  <url><loc>https://wealthwatch.ai/tfsa-tracker</loc><lastmod>2026-04-28</lastmod><changefreq>monthly</changefreq><priority>0.80</priority></url>

  <!-- US calculators -->
  <url><loc>https://wealthwatch.ai/portfolio-tracker-usa</loc><lastmod>2026-05-06</lastmod><changefreq>monthly</changefreq><priority>0.90</priority></url>
  <url><loc>https://wealthwatch.ai/401k-tracker</loc><lastmod>2026-05-06</lastmod><changefreq>monthly</changefreq><priority>0.80</priority></url>
  <url><loc>https://wealthwatch.ai/ira-tracker</loc><lastmod>2026-05-06</lastmod><changefreq>monthly</changefreq><priority>0.80</priority></url>
  <url><loc>https://wealthwatch.ai/roth-ira-tracker</loc><lastmod>2026-05-06</lastmod><changefreq>monthly</changefreq><priority>0.80</priority></url>
  <url><loc>https://wealthwatch.ai/wash-sale-calculator</loc><lastmod>2026-05-06</lastmod><changefreq>monthly</changefreq><priority>0.80</priority></url>

  <!-- UK calculators -->
  <url><loc>https://wealthwatch.ai/portfolio-tracker-uk</loc><lastmod>2026-05-06</lastmod><changefreq>monthly</changefreq><priority>0.90</priority></url>
  <url><loc>https://wealthwatch.ai/isa-tracker</loc><lastmod>2026-05-06</lastmod><changefreq>monthly</changefreq><priority>0.80</priority></url>
  <url><loc>https://wealthwatch.ai/sipp-tracker</loc><lastmod>2026-05-06</lastmod><changefreq>monthly</changefreq><priority>0.80</priority></url>

  <!-- AU calculators -->
  <url><loc>https://wealthwatch.ai/portfolio-tracker-au</loc><lastmod>2026-05-06</lastmod><changefreq>monthly</changefreq><priority>0.90</priority></url>
  <url><loc>https://wealthwatch.ai/superannuation-tracker</loc><lastmod>2026-05-06</lastmod><changefreq>monthly</changefreq><priority>0.80</priority></url>

  <!-- Country tax hubs -->
  <url><loc>https://wealthwatch.ai/australia-tax-hub</loc><lastmod>2026-05-06</lastmod><changefreq>monthly</changefreq><priority>0.95</priority></url>
  <url><loc>https://wealthwatch.ai/canada-tax-hub</loc><lastmod>2026-05-06</lastmod><changefreq>monthly</changefreq><priority>0.95</priority></url>
  <url><loc>https://wealthwatch.ai/uk-tax-hub</loc><lastmod>2026-05-06</lastmod><changefreq>monthly</changefreq><priority>0.95</priority></url>
  <url><loc>https://wealthwatch.ai/us-tax-hub</loc><lastmod>2026-05-06</lastmod><changefreq>monthly</changefreq><priority>0.95</priority></url>

  <!-- Cross-jurisdictional comparators -->
  <url><loc>https://wealthwatch.ai/ira-vs-sipp</loc><lastmod>2026-05-06</lastmod><changefreq>monthly</changefreq><priority>0.90</priority></url>
  <url><loc>https://wealthwatch.ai/isa-vs-tfsa</loc><lastmod>2026-05-06</lastmod><changefreq>monthly</changefreq><priority>0.90</priority></url>
  <url><loc>https://wealthwatch.ai/rrsp-vs-401k</loc><lastmod>2026-05-06</lastmod><changefreq>monthly</changefreq><priority>0.90</priority></url>
  <url><loc>https://wealthwatch.ai/sipp-vs-rrsp</loc><lastmod>2026-05-06</lastmod><changefreq>monthly</changefreq><priority>0.90</priority></url>
  <url><loc>https://wealthwatch.ai/super-vs-401k</loc><lastmod>2026-05-06</lastmod><changefreq>monthly</changefreq><priority>0.90</priority></url>
  <url><loc>https://wealthwatch.ai/tfsa-vs-roth-ira</loc><lastmod>2026-05-06</lastmod><changefreq>monthly</changefreq><priority>0.90</priority></url>

  <!-- Learn / glossary -->
  <url><loc>https://wealthwatch.ai/learn</loc><lastmod>2026-05-11</lastmod><changefreq>monthly</changefreq><priority>0.80</priority></url>
  <url><loc>https://wealthwatch.ai/learn/acb</loc><lastmod>2026-05-12</lastmod><changefreq>monthly</changefreq><priority>0.80</priority></url>
  <url><loc>https://wealthwatch.ai/learn/fhsa</loc><lastmod>2026-05-12</lastmod><changefreq>monthly</changefreq><priority>0.80</priority></url>
  <url><loc>https://wealthwatch.ai/learn/rrsp</loc><lastmod>2026-05-12</lastmod><changefreq>monthly</changefreq><priority>0.80</priority></url>
  <url><loc>https://wealthwatch.ai/learn/superficial-loss</loc><lastmod>2026-05-12</lastmod><changefreq>monthly</changefreq><priority>0.80</priority></url>
  <url><loc>https://wealthwatch.ai/learn/tfsa</loc><lastmod>2026-05-12</lastmod><changefreq>monthly</changefreq><priority>0.80</priority></url>

  <!-- Competitor comparison -->
  <url><loc>https://wealthwatch.ai/vs/copilot</loc><lastmod>2026-05-12</lastmod><changefreq>monthly</changefreq><priority>0.85</priority></url>
  <url><loc>https://wealthwatch.ai/vs/empower</loc><lastmod>2026-05-12</lastmod><changefreq>monthly</changefreq><priority>0.85</priority></url>
  <url><loc>https://wealthwatch.ai/vs/kubera</loc><lastmod>2026-05-12</lastmod><changefreq>monthly</changefreq><priority>0.85</priority></url>
  <url><loc>https://wealthwatch.ai/vs/monarch</loc><lastmod>2026-05-12</lastmod><changefreq>monthly</changefreq><priority>0.85</priority></url>
  <url><loc>https://wealthwatch.ai/vs/sharesight</loc><lastmod>2026-05-12</lastmod><changefreq>monthly</changefreq><priority>0.85</priority></url>
  <url><loc>https://wealthwatch.ai/vs/ynab</loc><lastmod>2026-05-12</lastmod><changefreq>monthly</changefreq><priority>0.85</priority></url>
  <url><loc>https://wealthwatch.ai/vs/mint</loc><lastmod>2026-05-12</lastmod><changefreq>monthly</changefreq><priority>0.80</priority></url>
  <url><loc>https://wealthwatch.ai/vs/personal-capital</loc><lastmod>2026-05-12</lastmod><changefreq>monthly</changefreq><priority>0.80</priority></url>
  <url><loc>https://wealthwatch.ai/vs/wealthica</loc><lastmod>2026-05-12</lastmod><changefreq>monthly</changefreq><priority>0.80</priority></url>

  <!-- Landing variants -->
  <url><loc>https://wealthwatch.ai/for-canadians</loc><lastmod>2026-04-30</lastmod><changefreq>monthly</changefreq><priority>0.90</priority></url>
  <url><loc>https://wealthwatch.ai/for-fire</loc><lastmod>2026-04-30</lastmod><changefreq>monthly</changefreq><priority>0.90</priority></url>
  <url><loc>https://wealthwatch.ai/for-traders</loc><lastmod>2026-04-30</lastmod><changefreq>monthly</changefreq><priority>0.90</priority></url>

  <!-- Cross-brand -->
  <url><loc>https://wealthwatch.ai/our-apps</loc><lastmod>2026-05-06</lastmod><changefreq>monthly</changefreq><priority>0.85</priority></url>

  <!-- Other -->
  <url><loc>https://wealthwatch.ai/contact</loc><lastmod>2026-04-28</lastmod><changefreq>monthly</changefreq><priority>0.70</priority></url>
  <url><loc>https://wealthwatch.ai/contribution-optimizer</loc><lastmod>2026-05-01</lastmod><changefreq>monthly</changefreq><priority>0.70</priority></url>
  <url><loc>https://wealthwatch.ai/reset-password</loc><lastmod>2026-04-19</lastmod><changefreq>monthly</changefreq><priority>0.70</priority></url>
  <url><loc>https://wealthwatch.ai/status</loc><lastmod>2026-05-06</lastmod><changefreq>monthly</changefreq><priority>0.70</priority></url>
</urlset>
