<?xml version="1.0" encoding="UTF-8"?>
<!--
  Ridgegate Financial — sitemap.xml
  Updated: 2026-03-10 (Session 5 — all V1 pages + V2 scaffolds)
-->
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">

  <!-- ── Core pages ── -->
  <url>
    <loc>https://ridgegatefinancial.com/</loc>
    <lastmod>2026-03-10</lastmod>
    <changefreq>monthly</changefreq>
    <priority>1.0</priority>
  </url>

  <!-- ── Programs ── -->
  <url>
    <loc>https://ridgegatefinancial.com/programs/</loc>
    <lastmod>2026-03-10</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://ridgegatefinancial.com/programs/retire-on-demand/</loc>
    <lastmod>2026-03-10</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://ridgegatefinancial.com/programs/work-optional-wealth/</loc>
    <lastmod>2026-03-10</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://ridgegatefinancial.com/programs/generations/</loc>
    <lastmod>2026-03-10</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://ridgegatefinancial.com/programs/impact-1031/</loc>
    <lastmod>2026-03-10</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>

  <!-- ── Services ── -->
  <url>
    <loc>https://ridgegatefinancial.com/services/</loc>
    <lastmod>2026-03-10</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>

  <!-- ── Confidence Score ── -->
  <url>
    <loc>https://ridgegatefinancial.com/confidence-score/</loc>
    <lastmod>2026-03-10</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- ── About / Who We Are ── -->
  <url>
    <loc>https://ridgegatefinancial.com/about/</loc>
    <lastmod>2026-03-10</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://ridgegatefinancial.com/who-we-are/meet-the-team/</loc>
    <lastmod>2026-03-10</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://ridgegatefinancial.com/who-we-are/timeline/</loc>
    <lastmod>2026-03-10</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.6</priority>
  </url>

  <!-- ── Locations ── -->
  <url>
    <loc>https://ridgegatefinancial.com/locations/</loc>
    <lastmod>2026-03-10</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://ridgegatefinancial.com/locations/lone-tree-financial-advisor/</loc>
    <lastmod>2026-03-10</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.75</priority>
  </url>

  <!-- ── V2 Scaffolds (coming soon pages) ── -->
  <url>
    <loc>https://ridgegatefinancial.com/packages/</loc>
    <lastmod>2026-03-10</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://ridgegatefinancial.com/membership/</loc>
    <lastmod>2026-03-10</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://ridgegatefinancial.com/events/</loc>
    <lastmod>2026-03-10</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://ridgegatefinancial.com/explore/</loc>
    <lastmod>2026-03-10</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>

</urlset>
