<?xml version="1.0" encoding="UTF-8"?>
<!--
  Keep in step with INDEXABLE_EXACT in src/App.jsx — every path listed there is
  deliberately indexable, and /refer, /terms and /privacy were all missing here.
  `npm run check:routes` fails if the two drift apart.

  Advisor profile pages are NOT listed here: they come from the profileSitemap
  function, which is declared separately in robots.txt.
-->
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">
  <url>
    <loc>https://fernfar.com/</loc>
    <lastmod>2026-08-19</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>
  <url>
    <loc>https://fernfar.com/features</loc>
    <lastmod>2026-08-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://fernfar.com/refer</loc>
    <lastmod>2026-08-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://fernfar.com/for-who</loc>
    <lastmod>2026-08-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://fernfar.com/faq</loc>
    <lastmod>2026-08-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://fernfar.com/terms</loc>
    <lastmod>2026-08-19</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://fernfar.com/privacy</loc>
    <lastmod>2026-08-19</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
</urlset>
