<?xml version="1.0" encoding="UTF-8"?>
<!--
  Hand-maintained sitemap: lists ONLY the public launch set (the pages served
  when LAUNCH_MODE=public). Placeholder / gated pages are intentionally excluded.
  When new public pages ship (article pages, etc.), add them here, or move to
  @astrojs/sitemap generation if the list grows past a handful.
-->
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">
  <url>
    <loc>https://standingoakadvisors.com/</loc>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>
  <url>
    <loc>https://standingoakadvisors.com/calculator/</loc>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://standingoakadvisors.com/decision-tree/</loc>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://standingoakadvisors.com/fees/</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <!-- Added 2026-08-05 when /contact's noindex was removed. This is the
         conversion page: the homepage CTA, the footer, and the hero doors all
         point here, so it needs to be findable. Keep in sync with the
         DefaultLayout noindex state in src/pages/contact.astro. -->
    <loc>https://standingoakadvisors.com/contact/</loc>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <!-- Indexable by deliberate decision (Scott, 2026-07-21): the AI-citation
         strategy wants engines able to verify the Savvy relationship, Series 65,
         and BrokerCheck CRD. Keep this entry and the page's noindex state in sync;
         a sitemap entry on a noindexed page is a conflicting signal. -->
    <loc>https://standingoakadvisors.com/disclosures/</loc>
    <changefreq>yearly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://standingoakadvisors.com/insights/</loc>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://standingoakadvisors.com/insights/california-rental-tax-on-sale/</loc>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://standingoakadvisors.com/insights/avoid-defer-california-capital-gains/</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://standingoakadvisors.com/insights/inherited-california-rental-prop19/</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://standingoakadvisors.com/insights/financing-killed-your-deal/</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
</urlset>
