<?xml version="1.0" encoding="UTF-8"?>
<!--
  Added 2026-08-15 (AEO audit A-4). Learn cluster added 2026-09-13.

  NO <lastmod>, DELIBERATELY. A hand-typed lastmod is a dated claim that nothing updates, and this
  property has already shipped one of those: the landing's "Monthly" methodology row, which was true
  the day it was written and went false by nothing happening. A sitemap is valid and useful without
  lastmod, and a missing element is better than a wrong one. If lastmod is added later it has to be
  generated at build time from the file being listed, and gated the way the last-checked date on the
  landing now is.

  THE LEARN URLS ARE GENERATED. `node learn-src/build.js` writes learn-src/sitemap-fragment.xml from
  the article modules themselves; the eleven <url> blocks below are that fragment. Adding an article
  regenerates the fragment, so the only manual step is pasting it here. verify_deploy_gate's dead
  internal link check reads every href in every shipping page, so a listed page that stopped being
  built would be caught on the next run.

  WHAT IS NOT LISTED, AND WHY:
    /qualcomm/brief/ and /general/brief/   each carries noindex; a brief is a reader's own document, not a page.

  EVERY ADDRESS IS A FOLDER (2026-10-05, Direction v97). The one ten-second check is /; /qualcomm/ is the Qualcomm
  modeler (its check page retired), /general/ the general modeler, /privacy/ the policy. The .html addresses this file
  listed until then answer with a permanent redirect (deploy/_redirects), and a sitemap lists only addresses that answer
  200 themselves; verify_addresses.js holds this list to the pages that exist.

  (The thirteen per-state pages were listed here as an open question until 2026-09-13. They were
  measured at 79% mean similarity across the eight no-income-tax states, which is the doorway shape,
  and deleted. One generated table at /learn/rsu-withholding-by-state/ replaces them.)
-->
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">
  <url>
    <loc>https://techwealthtools.com/</loc>
    <priority>1.0</priority>
  </url>
  <url>
    <loc>https://techwealthtools.com/qualcomm/</loc>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://techwealthtools.com/general/</loc>
    <priority>0.8</priority>
  </url>

  <!-- ── the learn cluster, generated: learn-src/sitemap-fragment.xml ────────────────────── -->
  <url>
    <loc>https://techwealthtools.com/learn/</loc>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://techwealthtools.com/learn/rsu-withholding-gap/</loc>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://techwealthtools.com/learn/how-rsus-are-taxed/</loc>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://techwealthtools.com/learn/sell-to-cover/</loc>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://techwealthtools.com/learn/rsu-withholding-by-state/</loc>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://techwealthtools.com/learn/estimated-taxes-and-safe-harbor/</loc>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://techwealthtools.com/learn/espp-qualifying-disposition/</loc>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://techwealthtools.com/learn/rsu-cost-basis/</loc>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://techwealthtools.com/learn/company-stock-concentration/</loc>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://techwealthtools.com/learn/qualcomm-rsu-withholding/</loc>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://techwealthtools.com/methodology/</loc>
    <priority>0.5</priority>
  </url>

  <url>
    <loc>https://techwealthtools.com/tools/</loc>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://techwealthtools.com/about/</loc>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://techwealthtools.com/privacy/</loc>
    <priority>0.3</priority>
  </url>
</urlset>
