<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">

  <!-- Core pages -->
  <url>
    <loc>https://ardlight.com/</loc>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>
  <url>
    <loc>https://ardlight.com/guides</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://ardlight.com/learn</loc>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://ardlight.com/about</loc>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://ardlight.com/how-ardlight-works</loc>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://ardlight.com/privacy</loc>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://ardlight.com/disclaimer</loc>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>

  <!-- Score and coach -->
  <url>
    <loc>https://ardlight.com/ardlight-score</loc>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://ardlight.com/coach</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- The Eight Steps -->
  <url>
    <loc>https://ardlight.com/emergency-fund-uk</loc>
    <changefreq>yearly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://ardlight.com/workplace-pension-employer-match</loc>
    <changefreq>yearly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://ardlight.com/pay-off-high-interest-debt-uk</loc>
    <changefreq>yearly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://ardlight.com/stocks-and-shares-isa-uk</loc>
    <changefreq>yearly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://ardlight.com/increase-pension-contributions</loc>
    <changefreq>yearly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://ardlight.com/mortgage-decision-guide</loc>
    <changefreq>yearly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://ardlight.com/index-fund-investing-uk</loc>
    <changefreq>yearly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://ardlight.com/financial-independence-uk</loc>
    <changefreq>yearly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Guides — ISAs -->
  <url>
    <loc>https://ardlight.com/isa-changes-2026-27</loc>
    <changefreq>yearly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://ardlight.com/isa-vs-pension-vs-lisa</loc>
    <changefreq>yearly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://ardlight.com/isa-calculator</loc>
    <changefreq>yearly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Guides — Pensions -->
  <url>
    <loc>https://ardlight.com/salary-sacrifice-guide</loc>
    <changefreq>yearly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://ardlight.com/salary-sacrifice-calculator</loc>
    <changefreq>yearly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://ardlight.com/pension-carry-forward</loc>
    <changefreq>yearly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://ardlight.com/public-sector-pension</loc>
    <changefreq>yearly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://ardlight.com/pension-iht-2027</loc>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Guides — Tax -->
  <url>
    <loc>https://ardlight.com/personal-allowance-taper</loc>
    <changefreq>yearly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://ardlight.com/personal-allowance-taper-calculator</loc>
    <changefreq>yearly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://ardlight.com/child-benefit-tax-charge</loc>
    <changefreq>yearly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Guides — Your situation -->
  <url>
    <loc>https://ardlight.com/first-job-money-uk</loc>
    <changefreq>yearly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://ardlight.com/mortgage-overpayment-vs-investing</loc>
    <changefreq>yearly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Guides — Scotland -->
  <url>
    <loc>https://ardlight.com/scottish-income-tax</loc>
    <changefreq>yearly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://ardlight.com/scottish-income-tax-explainer</loc>
    <changefreq>yearly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://ardlight.com/scottish-income-tax-calculator</loc>
    <changefreq>yearly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://ardlight.com/scottish-pension-tax-relief-guide</loc>
    <changefreq>yearly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://ardlight.com/scottish-pension-relief</loc>
    <changefreq>yearly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://ardlight.com/scottish-benefits-checker</loc>
    <changefreq>yearly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://ardlight.com/scottish-benefits-guide</loc>
    <changefreq>yearly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://ardlight.com/lbtt-calculator</loc>
    <changefreq>yearly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Calculators and tools -->
  <url>
    <loc>https://ardlight.com/take-home-pay</loc>
    <changefreq>yearly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://ardlight.com/pension-projection-calculator</loc>
    <changefreq>yearly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://ardlight.com/compound-interest-calculator</loc>
    <changefreq>yearly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://ardlight.com/debt-payoff-calculator</loc>
    <changefreq>yearly</changefreq>
    <priority>0.7</priority>
  </url>

</urlset>
