<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">
  <!-- Homepage -->
  <url><loc>https://thetopminds.com</loc><lastmod>2026-04-16</lastmod><changefreq>weekly</changefreq><priority>1.0</priority></url>

  <!-- Core Pages -->
  <url><loc>https://thetopminds.com/framework</loc><lastmod>2026-04-16</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://thetopminds.com/team</loc><lastmod>2026-04-16</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://thetopminds.com/tools</loc><lastmod>2026-04-16</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://thetopminds.com/webinar</loc><lastmod>2026-04-16</lastmod><changefreq>weekly</changefreq><priority>0.9</priority></url>
  <url><loc>https://thetopminds.com/book</loc><lastmod>2026-04-16</lastmod><changefreq>monthly</changefreq><priority>0.95</priority></url>
  <url><loc>https://thetopminds.com/contact</loc><lastmod>2026-04-16</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://thetopminds.com/business-owner</loc><lastmod>2026-04-16</lastmod><changefreq>monthly</changefreq><priority>0.85</priority></url>

  <!-- Insights / Articles -->
  <url><loc>https://thetopminds.com/insights</loc><lastmod>2026-04-16</lastmod><changefreq>weekly</changefreq><priority>0.85</priority></url>
  <url><loc>https://thetopminds.com/insights/retirement-income-gap</loc><lastmod>2026-04-16</lastmod><changefreq>monthly</changefreq><priority>0.85</priority></url>
  <url><loc>https://thetopminds.com/insights/longevity-risk</loc><lastmod>2026-04-17</lastmod><changefreq>monthly</changefreq><priority>0.85</priority></url>
  <url><loc>https://thetopminds.com/insights/tax-risk</loc><lastmod>2026-04-17</lastmod><changefreq>monthly</changefreq><priority>0.85</priority></url>

  <!-- Diagnostic Tools (indexed for organic discovery) -->
  <url><loc>https://thetopminds.com/pages/6Risks_Visual_v2.html</loc><lastmod>2026-04-16</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://thetopminds.com/pages/TwoPillar_Income_Visualizer.html</loc><lastmod>2026-04-16</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://thetopminds.com/pages/SixRisk_Diagnostic_Gated_1_v2.html</loc><lastmod>2026-04-16</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://thetopminds.com/pages/Income_Gap_Gated_2_v2.html</loc><lastmod>2026-04-16</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>

  <!-- Legal -->
  <url><loc>https://thetopminds.com/legal</loc><lastmod>2026-04-16</lastmod><changefreq>yearly</changefreq><priority>0.3</priority></url>
  <url><loc>https://thetopminds.com/privacy</loc><lastmod>2026-04-16</lastmod><changefreq>yearly</changefreq><priority>0.3</priority></url>
  <url><loc>https://thetopminds.com/terms</loc><lastmod>2026-04-16</lastmod><changefreq>yearly</changefreq><priority>0.3</priority></url>
</urlset>
