<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9"
        xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"
        xmlns:xhtml="http://www.w3.org/1999/xhtml"
        xsi:schemaLocation="http://www.sitemaps.org/schemas/sitemap/0.9
        http://www.sitemaps.org/schemas/sitemap/0.9/sitemap.xsd">
  
  <!-- Homepage - Highest Priority -->
  <url>
    <loc>https://couplesfinancials.com/</loc>
    <xhtml:link rel="alternate" hreflang="pt-BR" href="https://couplesfinancials.com/"/>
    <xhtml:link rel="alternate" hreflang="en" href="https://couplesfinancials.com/"/>
    <xhtml:link rel="alternate" hreflang="es" href="https://couplesfinancials.com/"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://couplesfinancials.com/"/>
    <lastmod>2026-01-17</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>
  
  <!-- Login/Auth -->
  <url>
    <loc>https://couplesfinancials.com/auth</loc>
    <lastmod>2026-01-17</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  
  <!-- About Us - Portuguese -->
  <url>
    <loc>https://couplesfinancials.com/sobre-nos</loc>
    <xhtml:link rel="alternate" hreflang="pt-BR" href="https://couplesfinancials.com/sobre-nos"/>
    <xhtml:link rel="alternate" hreflang="en" href="https://couplesfinancials.com/about-us"/>
    <lastmod>2026-01-17</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  
  <!-- About Us - English -->
  <url>
    <loc>https://couplesfinancials.com/about-us</loc>
    <xhtml:link rel="alternate" hreflang="en" href="https://couplesfinancials.com/about-us"/>
    <xhtml:link rel="alternate" hreflang="pt-BR" href="https://couplesfinancials.com/sobre-nos"/>
    <lastmod>2026-01-17</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  
  <!-- Partnership/Affiliate Program -->
  <url>
    <loc>https://couplesfinancials.com/partnership</loc>
    <lastmod>2026-01-17</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  
  <!-- Install App (PWA) -->
  <url>
    <loc>https://couplesfinancials.com/install-app</loc>
    <lastmod>2026-01-17</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  
  <!-- Password Recovery -->
  <url>
    <loc>https://couplesfinancials.com/forgot-password</loc>
    <lastmod>2026-01-17</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.5</priority>
  </url>
  
  <!-- Privacy Policy -->
  <url>
    <loc>https://couplesfinancials.com/privacy</loc>
    <lastmod>2026-01-17</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.4</priority>
  </url>
  
  <!-- Terms of Use -->
  <url>
    <loc>https://couplesfinancials.com/terms</loc>
    <lastmod>2026-01-17</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.4</priority>
  </url>
  
  <!-- Blog -->
  <url>
    <loc>https://couplesfinancials.com/blog</loc>
    <xhtml:link rel="alternate" hreflang="pt-BR" href="https://couplesfinancials.com/blog"/>
    <xhtml:link rel="alternate" hreflang="en" href="https://couplesfinancials.com/blog"/>
    <xhtml:link rel="alternate" hreflang="es" href="https://couplesfinancials.com/blog"/>
    <lastmod>2026-01-19</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  
</urlset>
