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    <loc>https://fynla.org/</loc>
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  <url>
    <loc>https://fynla.org/pricing</loc>
    <lastmod>2026-05-21</lastmod>
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  <url>
    <loc>https://fynla.org/features</loc>
    <lastmod>2026-05-20</lastmod>
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    <loc>https://fynla.org/how-it-works</loc>
    <lastmod>2026-05-20</lastmod>
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  <url>
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    <lastmod>2026-05-21</lastmod>
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  <url>
    <loc>https://fynla.org/calculators</loc>
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  <url>
    <loc>https://fynla.org/advisors</loc>
    <lastmod>2026-05-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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  <url>
    <loc>https://fynla.org/security</loc>
    <lastmod>2026-05-21</lastmod>
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    <priority>0.6</priority>
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  <url>
    <loc>https://fynla.org/faq</loc>
    <lastmod>2026-05-21</lastmod>
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    <priority>0.7</priority>
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  <url>
    <loc>https://fynla.org/contact</loc>
    <lastmod>2026-05-21</lastmod>
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  <url>
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    <lastmod>2026-05-21</lastmod>
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  <!-- Why Fynla -->
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    <loc>https://fynla.org/why-fynla/our-approach</loc>
    <lastmod>2026-05-21</lastmod>
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  <url>
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  <url>
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  <url>
    <loc>https://fynla.org/why-fynla/alternatives</loc>
    <lastmod>2026-05-21</lastmod>
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  <!-- Life stages -->
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    <loc>https://fynla.org/stage/starting-out</loc>
    <lastmod>2026-05-21</lastmod>
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  <url>
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  <url>
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    <priority>0.6</priority>
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  <!-- Feature pages -->
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    <loc>https://fynla.org/features/net-worth-dashboard</loc>
    <lastmod>2026-05-21</lastmod>
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    <priority>0.7</priority>
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  <url>
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  <url>
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    <lastmod>2026-05-21</lastmod>
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    <priority>0.7</priority>
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  <url>
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    <lastmod>2026-05-21</lastmod>
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  <url>
    <loc>https://fynla.org/features/when-can-i-retire</loc>
    <lastmod>2026-05-21</lastmod>
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    <priority>0.7</priority>
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    <lastmod>2026-05-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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  <url>
    <loc>https://fynla.org/features/iht-planning</loc>
    <lastmod>2026-05-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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  <!-- Learn â€” Concept Explainers -->
  <url>
    <loc>https://fynla.org/learn</loc>
    <lastmod>2026-05-21</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
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  <url>
    <loc>https://fynla.org/learn/what-is-an-isa</loc>
    <lastmod>2026-05-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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  <url>
    <loc>https://fynla.org/learn/what-is-drawdown</loc>
    <lastmod>2026-05-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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  <url>
    <loc>https://fynla.org/learn/should-i-consolidate-pensions</loc>
    <lastmod>2026-05-21</lastmod>
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  <url>
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  <url>
    <loc>https://fynla.org/learn/what-is-salary-sacrifice</loc>
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    <priority>0.7</priority>
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  <url>
    <loc>https://fynla.org/learn/what-is-an-lpa</loc>
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  <url>
    <loc>https://fynla.org/learn/what-is-a-sipp</loc>
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  <url>
    <loc>https://fynla.org/learn/what-is-inheritance-tax</loc>
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  <url>
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    <priority>0.7</priority>
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  <url>
    <loc>https://fynla.org/learn/should-i-use-a-lisa-or-isa</loc>
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    <priority>0.7</priority>
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  <url>
    <loc>https://fynla.org/learn/when-can-i-afford-to-retire</loc>
    <lastmod>2026-05-21</lastmod>
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    <priority>0.7</priority>
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  <!-- Learn â€” Life Stage Guides -->
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    <loc>https://fynla.org/learn/guide/starting-out</loc>
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    <priority>0.7</priority>
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  <!-- Learn â€” Tax & Allowances -->
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    <loc>https://fynla.org/learn/tax/pension-annual-allowance</loc>
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  <url>
    <loc>https://fynla.org/learn/tax/iht-thresholds</loc>
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    <priority>0.6</priority>
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  <url>
    <loc>https://fynla.org/learn/tax/capital-gains-tax</loc>
    <lastmod>2026-05-21</lastmod>
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  <url>
    <loc>https://fynla.org/learn/tax/tax-year-checklist</loc>
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  <url>
    <loc>https://fynla.org/learn/glossary</loc>
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  <!-- Insights -->
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    <loc>https://fynla.org/insights</loc>
    <lastmod>2026-04-02</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
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  <url>
    <loc>https://fynla.org/insights/pension-iht-changes-2027</loc>
    <lastmod>2026-04-02</lastmod>
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    <priority>0.6</priority>
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  <url>
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    <lastmod>2026-04-02</lastmod>
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    <priority>0.6</priority>
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  <url>
    <loc>https://fynla.org/insights/isa-guide-uk</loc>
    <lastmod>2026-04-08</lastmod>
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    <priority>0.7</priority>
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  <url>
    <loc>https://fynla.org/insights/retirement-planning-uk</loc>
    <lastmod>2026-04-08</lastmod>
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    <priority>0.7</priority>
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  <url>
    <loc>https://fynla.org/insights/stocks-shares-isa-uk</loc>
    <lastmod>2026-04-13</lastmod>
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    <priority>0.7</priority>
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  <url>
    <loc>https://fynla.org/insights/how-much-to-retire-uk</loc>
    <lastmod>2026-04-14</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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  <!-- Compare -->
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    <loc>https://fynla.org/compare/fynla-vs-financial-centralisation-platform</loc>
    <lastmod>2026-05-21</lastmod>
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    <priority>0.6</priority>
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  <url>
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    <priority>0.6</priority>
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  <url>
    <loc>https://fynla.org/compare/fynla-vs-financial-investment-platform</loc>
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    <priority>0.6</priority>
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  <url>
    <loc>https://fynla.org/compare/fynla-vs-spreadsheets</loc>
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    <priority>0.6</priority>
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  <url>
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    <priority>0.6</priority>
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  <!-- Legal & Auth -->
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    <lastmod>2026-04-02</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.4</priority>
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  <url>
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  <url>
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  <url>
    <loc>https://fynla.org/login</loc>
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    <changefreq>yearly</changefreq>
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  <url>
    <loc>https://fynla.org/register</loc>
    <lastmod>2026-04-02</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
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  <!-- Conversion funnel -->
  <url>
    <loc>https://fynla.org/savetax</loc>
    <lastmod>2026-05-22</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
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