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  <!-- Marketing pages -->
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    <loc>https://www.retirementimpact.com/</loc>
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  <url>
    <loc>https://www.retirementimpact.com/about</loc>
    <lastmod>2026-08-03</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
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  <url>
    <loc>https://www.retirementimpact.com/team</loc>
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  <url>
    <loc>https://www.retirementimpact.com/resources</loc>
    <lastmod>2026-08-03</lastmod>
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  <url>
    <loc>https://www.retirementimpact.com/chat-test</loc>
    <lastmod>2026-08-03</lastmod>
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    <priority>0.6</priority>
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  <url>
    <loc>https://www.retirementimpact.com/privacy</loc>
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  <!-- Key downloadable documents -->
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    <loc>https://www.retirementimpact.com/documents/Retirement_Impact_15_Point_Fiduciary_Health_Check.pdf</loc>
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  <url>
    <loc>https://www.retirementimpact.com/documents/impact-method-case-study.pdf</loc>
    <lastmod>2026-08-03</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.7</priority>
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  <!-- Governance module -->
  <url>
    <loc>https://www.retirementimpact.com/documents/governance/PRI_Plan_Sponsor_Guide_-_Governance_and_Documentation.pdf</loc>
    <lastmod>2026-08-03</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.6</priority>
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  <url>
    <loc>https://www.retirementimpact.com/documents/governance/PRI_Governance_Module_-_Sample_Fiduciary_File.pdf</loc>
    <lastmod>2026-08-03</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.5</priority>
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  <url>
    <loc>https://www.retirementimpact.com/documents/governance/PRI_Governance_Module-_Guide_to_Committee_Meeting_Minutes.pdf</loc>
    <lastmod>2026-08-03</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.5</priority>
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  <url>
    <loc>https://www.retirementimpact.com/documents/governance/PRI_Governance_Module-_Sample_401k_Committee_Charter.pdf</loc>
    <lastmod>2026-08-03</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.retirementimpact.com/documents/governance/PRI_Governance_Module-_Sample_DOL_Document_Request.pdf</loc>
    <lastmod>2026-08-03</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.5</priority>
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  <url>
    <loc>https://www.retirementimpact.com/documents/governance/Board_Resolution.pdf</loc>
    <lastmod>2026-08-03</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.5</priority>
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  <!-- Investments module -->
  <url>
    <loc>https://www.retirementimpact.com/documents/investments/PRI_Plan_Sponsor_Guide_-_Investments.pdf</loc>
    <lastmod>2026-08-03</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.6</priority>
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  <url>
    <loc>https://www.retirementimpact.com/documents/investments/QDIA_-_PS_Guide.pdf</loc>
    <lastmod>2026-08-03</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.5</priority>
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  <url>
    <loc>https://www.retirementimpact.com/documents/investments/QDIA_Type_Assessment.pdf</loc>
    <lastmod>2026-08-03</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.5</priority>
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  <url>
    <loc>https://www.retirementimpact.com/documents/investments/Sample_QDIA_Policy_-_TDFs.pdf</loc>
    <lastmod>2026-08-03</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.5</priority>
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  <!-- Administration module -->
  <url>
    <loc>https://www.retirementimpact.com/documents/administration/PRI_Plan_Sponsor_Guide_-_Administration.pdf</loc>
    <lastmod>2026-08-03</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.6</priority>
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  <url>
    <loc>https://www.retirementimpact.com/documents/administration/PRI_Administration_Module-_Calendar_of_Key_Dates.pdf</loc>
    <lastmod>2026-08-03</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.5</priority>
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  <url>
    <loc>https://www.retirementimpact.com/documents/administration/PRI_Administration_Module-Required_Participant_Disclosures.pdf</loc>
    <lastmod>2026-08-03</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.5</priority>
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  <url>
    <loc>https://www.retirementimpact.com/documents/administration/PRI_Administration_Module-Roles_and_Responsibilities_Worksheet.pdf</loc>
    <lastmod>2026-08-03</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.5</priority>
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  <url>
    <loc>https://www.retirementimpact.com/documents/administration/Participant_Loan_Education.pdf</loc>
    <lastmod>2026-08-03</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.5</priority>
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  <!-- Service providers module -->
  <url>
    <loc>https://www.retirementimpact.com/documents/service-providers/PRI_Plan_Sponsor_Guide_-_Service_Providers.pdf</loc>
    <lastmod>2026-08-03</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.6</priority>
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  <url>
    <loc>https://www.retirementimpact.com/documents/service-providers/PRI_Service_Providers_Module-408b2_Disclosure_Management_Worksheet.pdf</loc>
    <lastmod>2026-08-03</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.5</priority>
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  <url>
    <loc>https://www.retirementimpact.com/documents/service-providers/PRI_Service_Providers_Module-Sample_Needs_Assessment_Worksheet.pdf</loc>
    <lastmod>2026-08-03</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.5</priority>
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  <!-- Regulatory documents -->
  <url>
    <loc>https://www.retirementimpact.com/documents/form-crs.pdf</loc>
    <lastmod>2026-08-03</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.4</priority>
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