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  <!-- Site root + global pages                       -->
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    <lastmod>2026-05-20</lastmod>
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  <!-- ============================================== -->
  <!-- Tools                                          -->
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    <lastmod>2026-05-12</lastmod>
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  <!-- ============================================== -->
  <!-- Guides                                         -->
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  <!-- ============================================== -->
  <!-- FERS & CSRS pillar (landing + 3 articles)      -->
  <!-- ============================================== -->
  <url>
    <loc>https://www.warriorretirement.com/fers-and-csrs/</loc>
    <lastmod>2026-05-20</lastmod>
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  <!-- ============================================== -->
  <!-- TSP pillar (landing + 11 articles)             -->
  <!-- ============================================== -->
  <url>
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  <url>
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  <url>
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    <loc>https://www.warriorretirement.com/tsp/hardship-withdrawals</loc>
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  <url>
    <loc>https://www.warriorretirement.com/tsp/g-fund-vs-c-fund-allocation</loc>
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    <lastmod>2026-05-12</lastmod>
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    <priority>0.8</priority>
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  <!-- ============================================== -->
  <!-- Social Security pillar (landing + 1 article)   -->
  <!-- ============================================== -->
  <url>
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    <lastmod>2026-05-20</lastmod>
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  <url>
    <loc>https://www.warriorretirement.com/social-security/when-to-claim-federal-edition</loc>
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    <lastmod>2026-05-21</lastmod>
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  <!-- ============================================== -->
  <!-- Tax Strategy pillar (landing + 5 articles)     -->
  <!-- ============================================== -->
  <url>
    <loc>https://www.warriorretirement.com/tax-strategy/</loc>
    <lastmod>2026-05-19</lastmod>
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    <lastmod>2026-05-19</lastmod>
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  <!-- ============================================== -->
  <!-- FEHB & Medicare pillar (landing + 2 articles)  -->
  <!-- ============================================== -->
  <url>
    <loc>https://www.warriorretirement.com/fehb-and-medicare/</loc>
    <lastmod>2026-05-20</lastmod>
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  <!-- ============================================== -->
  <!-- Military Retirement pillar (landing only)      -->
  <!-- ============================================== -->
  <url>
    <loc>https://www.warriorretirement.com/military-retirement/</loc>
    <lastmod>2026-05-12</lastmod>
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  <!-- ============================================== -->
  <!-- VA & Retirement pillar (landing only)          -->
  <!-- ============================================== -->
  <url>
    <loc>https://www.warriorretirement.com/va-retirement/</loc>
    <lastmod>2026-05-12</lastmod>
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  <!-- ============================================== -->
  <!-- Dispatch (landing + 13 issues)                 -->
  <!-- ============================================== -->
  <url>
    <loc>https://www.warriorretirement.com/dispatches/</loc>
    <lastmod>2026-05-21</lastmod>
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    <lastmod>2026-05-20</lastmod>
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  <!-- ============================================== -->
  <!-- Legal pages                                    -->
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  <!-- ============================================== -->
  <!-- May 2026 batch: Retirement Savings pillar + 13 articles -->
  <!-- ============================================== -->
  <url>
    <loc>https://www.warriorretirement.com/retirement-savings/</loc>
    <lastmod>2026-05-22</lastmod>
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    <loc>https://www.warriorretirement.com/social-security/89-percent-claim-social-security-too-early</loc>
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    <priority>0.7</priority>
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    <loc>https://www.warriorretirement.com/retirement-savings/median-american-955-saved-retirement-crisis</loc>
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    <loc>https://www.warriorretirement.com/retirement-savings/4-percent-rule-dead-2026-safe-withdrawal-rate</loc>
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    <loc>https://www.warriorretirement.com/tax-strategy/rmd-25-percent-penalty-age-73-retirees</loc>
    <lastmod>2026-05-22</lastmod>
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    <priority>0.7</priority>
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  <url>
    <loc>https://www.warriorretirement.com/tax-strategy/9-tax-friendly-states-retirement-income-2026</loc>
    <lastmod>2026-05-22</lastmod>
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    <priority>0.7</priority>
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  <url>
    <loc>https://www.warriorretirement.com/fehb-and-medicare/172500-healthcare-bill-retirees-medicare-gaps</loc>
    <lastmod>2026-05-22</lastmod>
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    <priority>0.7</priority>
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  <url>
    <loc>https://www.warriorretirement.com/fehb-and-medicare/irmaa-medicare-surcharge-2026-109000-threshold</loc>
    <lastmod>2026-05-22</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://www.warriorretirement.com/fers-and-csrs/december-vs-january-federal-retirement-decision</loc>
    <lastmod>2026-05-22</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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