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  <url>
    <loc>https://myplankeeper.com/</loc><lastmod>2026-04-15</lastmod><changefreq>weekly</changefreq><priority>1.0</priority>
    <image:image>
      <image:loc>https://moxnvwhuxobtszhwxmxs.supabase.co/storage/v1/object/public/Images%20For%20App/plan-card-retirement-clarity.jpg</image:loc>
      <image:title>Retirement Clarity Plan</image:title>
      <image:caption>Retirement planning clarity — person in their 60s at a scenic sunrise overlook looking at a clear path forward toward retirement</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://moxnvwhuxobtszhwxmxs.supabase.co/storage/v1/object/public/Images%20For%20App/plan-card-financial-wellness.jpg</image:loc>
      <image:title>Financial Wellness Plan</image:title>
      <image:caption>Financial wellness for retirement — couple in their late 50s reviewing finances together at kitchen table with morning coffee, feeling confident about their money plan</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://moxnvwhuxobtszhwxmxs.supabase.co/storage/v1/object/public/Images%20For%20App/plan-card-purpose-legacy.jpg</image:loc>
      <image:title>Purpose and Legacy Plan</image:title>
      <image:caption>Retirement purpose and legacy planning — grandparent and grandchild planting together in a golden hour garden, building meaning beyond money</image:caption>
    </image:image>
  </url>
  <url><loc>https://myplankeeper.com/grace</loc><lastmod>2026-04-05</lastmod><changefreq>weekly</changefreq><priority>0.95</priority></url>
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  <url><loc>https://myplankeeper.com/grace-intelligence</loc><lastmod>2026-04-15</lastmod><changefreq>weekly</changefreq><priority>0.95</priority></url>
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  <url><loc>https://myplankeeper.com/roast</loc><lastmod>2026-04-07</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://myplankeeper.com/simulator</loc><lastmod>2026-04-10</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url>
    <loc>https://myplankeeper.com/gift-mom</loc><lastmod>2026-04-20</lastmod><changefreq>weekly</changefreq><priority>0.9</priority>
    <image:image>
      <image:loc>https://moxnvwhuxobtszhwxmxs.supabase.co/storage/v1/object/public/Images%20For%20App/MomGiftofGraceAi.png</image:loc>
      <image:title>Gift Grace AI for Mom - Mother's Day Retirement Gift</image:title>
      <image:caption>Mother's Day gift: Give Mom 30 days with Grace AI, her personal retirement co-pilot for Social Security, Medicare, and purpose planning</image:caption>
    </image:image>
  </url>

  <!-- Whitepapers (high-value B2B content) -->
  <url><loc>https://myplankeeper.com/whitepapers/7-strategies-retirement-readiness</loc><lastmod>2026-03-19</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://myplankeeper.com/whitepapers/delayed-retirement-crisis</loc><lastmod>2026-04-03</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://myplankeeper.com/whitepapers/social-determinants-financial-wellbeing</loc><lastmod>2026-04-03</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>

  <!-- Learn articles: Financial Wellness -->
  <url><loc>https://myplankeeper.com/learn/when-to-claim-social-security</loc><lastmod>2026-03-26</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://myplankeeper.com/learn/retirement-money-anxiety</loc><lastmod>2026-03-26</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://myplankeeper.com/learn/required-minimum-distributions</loc><lastmod>2026-03-26</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://myplankeeper.com/learn/roth-conversion-retirement</loc><lastmod>2026-03-26</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://myplankeeper.com/learn/retirement-paycheck-strategy</loc><lastmod>2026-03-26</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://myplankeeper.com/learn/longevity-ai-retirement-planning</loc><lastmod>2026-03-26</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>

  <!-- Learn articles: Medicare & Healthcare -->
  <url><loc>https://myplankeeper.com/learn/medicare-basics-guide</loc><lastmod>2026-03-26</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://myplankeeper.com/learn/medicare-advantage-vs-original</loc><lastmod>2026-03-26</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://myplankeeper.com/learn/cobra-to-medicare-transition</loc><lastmod>2026-03-26</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://myplankeeper.com/learn/irmaa-surcharge-medicare</loc><lastmod>2026-03-26</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://myplankeeper.com/learn/pre-65-health-insurance-gap</loc><lastmod>2026-03-26</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>

  <!-- Learn articles: Purpose, Identity & Wellness -->
  <url><loc>https://myplankeeper.com/learn/identity-beyond-job-title</loc><lastmod>2026-03-26</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://myplankeeper.com/learn/cognitive-health-retirement</loc><lastmod>2026-03-26</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://myplankeeper.com/learn/building-daily-structure-retirement</loc><lastmod>2026-03-26</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://myplankeeper.com/learn/how-grace-helps-retirement</loc><lastmod>2026-03-26</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>

  <!-- Learn articles: Faith & Giving -->
  <url><loc>https://myplankeeper.com/learn/tithing-retirement-faith-giving</loc><lastmod>2026-03-26</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>

  <!-- Learn articles: AI & Technology -->
  <url><loc>https://myplankeeper.com/learn/best-ai-tools-retirement-planning</loc><lastmod>2026-03-26</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>

  <!-- Learn articles: Migrated from Wix (established authority) -->
  <url><loc>https://myplankeeper.com/learn/i-spent-three-years-in-depression-after-retiring</loc><lastmod>2026-03-20</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://myplankeeper.com/learn/retirement-anxiety-in-the-workplace</loc><lastmod>2026-03-20</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://myplankeeper.com/learn/culturally-sensitive-retirement-planning-for-the-latino-community-what-you-need-to-know</loc><lastmod>2026-03-20</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://myplankeeper.com/learn/disaster-preparedness-retirees</loc><lastmod>2026-03-20</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://myplankeeper.com/learn/retirementwellnessplanning</loc><lastmod>2026-03-20</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://myplankeeper.com/learn/boomers-humanize-ai</loc><lastmod>2026-03-20</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://myplankeeper.com/learn/early-retirement-struggles-rethinking-retirement-flow</loc><lastmod>2026-03-20</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://myplankeeper.com/learn/the-great-retirement-movement</loc><lastmod>2026-03-20</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://myplankeeper.com/learn/co-intelligence-redefining-retirement-for-baby-boomers</loc><lastmod>2026-03-20</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://myplankeeper.com/learn/is-your-retirement-the-sequel-you-actually-want-to-read</loc><lastmod>2026-03-20</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>

  <!-- Learn articles: New April 7, 2026 -->
  <url><loc>https://myplankeeper.com/learn/behavioral-nudges-ai-retirement-planning</loc><lastmod>2026-04-07</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://myplankeeper.com/learn/rising-costs-retirement-decumulation-strategy</loc><lastmod>2026-04-07</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>

  <!-- Learn articles: New April 9, 2026 -->
  <url><loc>https://myplankeeper.com/learn/gray-divorce-financial-planning-retirement-after-50</loc><lastmod>2026-04-09</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://myplankeeper.com/learn/ai-wrappers-vs-retirement-intelligence</loc><lastmod>2026-04-09</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>

  <!-- Learn articles: New March 31, 2026 -->
  <url><loc>https://myplankeeper.com/learn/social-security-strategies-married-couples</loc><lastmod>2026-03-31</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://myplankeeper.com/learn/five-year-pre-retirement-checklist</loc><lastmod>2026-03-31</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://myplankeeper.com/learn/rmd-rules-2026-secure-act</loc><lastmod>2026-03-31</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://myplankeeper.com/learn/retirement-travel-on-a-budget</loc><lastmod>2026-03-31</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://myplankeeper.com/learn/solo-travel-women-over-60</loc><lastmod>2026-03-31</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://myplankeeper.com/learn/faith-based-investing-retirement</loc><lastmod>2026-04-09</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://myplankeeper.com/learn/living-legacy-death-anxiety-retirement</loc><lastmod>2026-03-31</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>

  <!-- Educación en Español -->
  <url><loc>https://myplankeeper.com/learn/guia-401k-latinos-estados-unidos</loc><lastmod>2026-04-14</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://myplankeeper.com/learn/ahorrar-jubilacion-sin-plan-trabajo</loc><lastmod>2026-04-14</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://myplankeeper.com/learn/errores-comunes-401k-ira-latinos</loc><lastmod>2026-04-14</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://myplankeeper.com/learn/educacion-financiera-espanol-cada-etapa-vida</loc><lastmod>2026-04-14</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://myplankeeper.com/learn/jubilacion-duenos-negocio-latinos</loc><lastmod>2026-04-14</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>

  <!-- Grace Briefs: Quick reads (200-400 words), shown in widget drawer, indexed for SEO -->
  <url><loc>https://myplankeeper.com/learn/brief/ai-health-research</loc><lastmod>2026-04-05</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://myplankeeper.com/learn/brief/ai-passwords-security</loc><lastmod>2026-04-05</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://myplankeeper.com/learn/brief/ai-practical-uses</loc><lastmod>2026-04-05</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://myplankeeper.com/learn/brief/ai-privacy-online</loc><lastmod>2026-04-05</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://myplankeeper.com/learn/brief/ai-scams-using-ai</loc><lastmod>2026-04-05</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://myplankeeper.com/learn/brief/ai-spotting-deepfakes</loc><lastmod>2026-04-05</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://myplankeeper.com/learn/brief/ai-staying-current</loc><lastmod>2026-04-05</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://myplankeeper.com/learn/brief/ai-talking-to-grace</loc><lastmod>2026-04-05</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://myplankeeper.com/learn/brief/ai-what-is-ai</loc><lastmod>2026-04-05</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://myplankeeper.com/learn/brief/el-aging-in-place</loc><lastmod>2026-04-05</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://myplankeeper.com/learn/brief/el-bucket-list-that-works</loc><lastmod>2026-04-05</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://myplankeeper.com/learn/brief/el-creative-expression</loc><lastmod>2026-04-05</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://myplankeeper.com/learn/brief/el-daily-structure</loc><lastmod>2026-04-05</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://myplankeeper.com/learn/brief/el-downsizing-adventure</loc><lastmod>2026-04-05</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://myplankeeper.com/learn/brief/el-hobbies-that-connect</loc><lastmod>2026-04-05</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://myplankeeper.com/learn/brief/el-learning-something-new</loc><lastmod>2026-04-05</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://myplankeeper.com/learn/brief/el-national-parks-senior-pass</loc><lastmod>2026-04-05</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://myplankeeper.com/learn/brief/el-travel-on-a-budget</loc><lastmod>2026-04-05</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://myplankeeper.com/learn/brief/el-volunteering-abroad</loc><lastmod>2026-04-05</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://myplankeeper.com/learn/brief/fs-charitable-giving-strategies</loc><lastmod>2026-04-05</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://myplankeeper.com/learn/brief/fs-contentment-vs-complacency</loc><lastmod>2026-04-05</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://myplankeeper.com/learn/brief/fs-end-of-life-planning</loc><lastmod>2026-04-05</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://myplankeeper.com/learn/brief/fs-finding-community</loc><lastmod>2026-04-05</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://myplankeeper.com/learn/brief/fs-grief-and-faith</loc><lastmod>2026-04-05</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://myplankeeper.com/learn/brief/fs-purpose-in-suffering</loc><lastmod>2026-04-05</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://myplankeeper.com/learn/brief/fs-sabbath-rest</loc><lastmod>2026-04-05</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
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  <url><loc>https://myplankeeper.com/learn/brief/fs-stewardship-in-retirement</loc><lastmod>2026-04-05</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://myplankeeper.com/learn/brief/fs-values-based-spending</loc><lastmod>2026-04-05</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://myplankeeper.com/learn/brief/fw-bridge-strategy</loc><lastmod>2026-04-05</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://myplankeeper.com/learn/brief/fw-creating-retirement-paycheck</loc><lastmod>2026-04-05</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://myplankeeper.com/learn/brief/fw-estate-planning-basics</loc><lastmod>2026-04-05</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://myplankeeper.com/learn/brief/fw-healthcare-costs-beyond-medicare</loc><lastmod>2026-04-05</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://myplankeeper.com/learn/brief/fw-irmaa-surcharge</loc><lastmod>2026-04-05</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
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  <url><loc>https://myplankeeper.com/learn/brief/hw-cognitive-health</loc><lastmod>2026-04-05</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://myplankeeper.com/learn/brief/hw-fall-prevention</loc><lastmod>2026-04-05</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://myplankeeper.com/learn/brief/hw-hearing-loss</loc><lastmod>2026-04-05</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://myplankeeper.com/learn/brief/hw-medication-management</loc><lastmod>2026-04-05</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
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  <url><loc>https://myplankeeper.com/learn/brief/hw-movement-not-exercise</loc><lastmod>2026-04-05</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://myplankeeper.com/learn/brief/hw-nutrition-after-50</loc><lastmod>2026-04-05</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://myplankeeper.com/learn/brief/hw-pre-65-insurance-gap</loc><lastmod>2026-04-05</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://myplankeeper.com/learn/brief/hw-sleep-in-retirement</loc><lastmod>2026-04-05</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
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