<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">

  <!-- Homepage -->
  <url>
    <loc>https://wealthify.co.nz/</loc>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>

  <!-- Mortgages -->
  <url>
    <loc>https://wealthify.co.nz/Mortgages.dc.html</loc>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Insurance -->
  <url>
    <loc>https://wealthify.co.nz/Insurance.dc.html</loc>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- KiwiSaver -->
  <url>
    <loc>https://wealthify.co.nz/KiwiSaver.dc.html</loc>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Loans -->
  <url>
    <loc>https://wealthify.co.nz/Loans.dc.html</loc>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Tools / Calculators -->
  <url>
    <loc>https://wealthify.co.nz/Tools.dc.html</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Wealthify Partner Circle -->
  <url>
    <loc>https://wealthify.co.nz/PartnerCircle.dc.html</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Wealthify Score -->
  <url>
    <loc>https://wealthify.co.nz/WealthifyScore.dc.html</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Refinance Calculator -->
  <url>
    <loc>https://wealthify.co.nz/Refinance-Calculator-Embed.html</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- NZ Mortgage Rates -->
  <url>
    <loc>https://wealthify.co.nz/rates</loc>
    <changefreq>daily</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Team -->
  <url>
    <loc>https://wealthify.co.nz/Team.dc.html</loc>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>

  <!-- Contact -->
  <url>
    <loc>https://wealthify.co.nz/Contact.dc.html</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Privacy Policy -->
  <url>
    <loc>https://wealthify.co.nz/assets/legal/Wealthify-Privacy-Policy.pdf</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>

  <!-- Terms of Use -->
  <url>
    <loc>https://wealthify.co.nz/assets/legal/Wealthify-Terms-of-Use.pdf</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>

  <!-- Disclosure Statement -->
  <url>
    <loc>https://wealthify.co.nz/assets/legal/Wealthify-Disclosure-Statement.pdf</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>

  <!-- Blog index (posts are listed in /blog/sitemap.xml) -->
  <url>
    <loc>https://wealthify.co.nz/blog</loc>
    <changefreq>daily</changefreq>
    <priority>0.8</priority>
  </url>
</urlset>
