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  <!-- Tools                                          -->
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  <!-- Guides                                         -->
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  <!-- ============================================== -->
  <!-- FERS & CSRS pillar (landing + 3 articles)      -->
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  <!-- TSP pillar (landing + 11 articles)             -->
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  <!-- ============================================== -->
  <!-- Social Security pillar (landing + 1 article)   -->
  <!-- ============================================== -->
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    <loc>https://www.warriorretirement.com/social-security/when-to-claim-federal-edition</loc>
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  <!-- ============================================== -->
  <!-- Tax Strategy pillar (landing + 5 articles)     -->
  <!-- ============================================== -->
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  <!-- FEHB & Medicare pillar (landing + 2 articles)  -->
  <!-- ============================================== -->
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  <!-- ============================================== -->
  <!-- Military Retirement pillar (landing only)      -->
  <!-- ============================================== -->
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    <lastmod>2026-05-12</lastmod>
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  <!-- ============================================== -->
  <!-- VA & Retirement pillar (landing only)          -->
  <!-- ============================================== -->
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    <lastmod>2026-05-12</lastmod>
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  <!-- ============================================== -->
  <!-- Dispatch (landing + 13 issues)                 -->
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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>
    <lastmod>2026-05-22</lastmod>
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    <priority>0.7</priority>
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    <loc>https://www.warriorretirement.com/social-security/social-security-earnings-test-trap-2026</loc>
    <lastmod>2026-05-22</lastmod>
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    <loc>https://www.warriorretirement.com/retirement-savings/median-american-955-saved-retirement-crisis</loc>
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  <url>
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    <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>
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  <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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  <!-- ============================================== -->
  <!-- Life Situations pillar + Retirement Savings cornerstones (May 28, 2026) -->
  <!-- ============================================== -->
  <url>
    <loc>https://www.warriorretirement.com/life-situations/</loc>
    <lastmod>2026-05-28</lastmod>
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  <url>
    <loc>https://www.warriorretirement.com/retirement-savings/how-much-do-i-need-to-retire</loc>
    <lastmod>2026-05-28</lastmod>
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  <url>
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  <url>
    <loc>https://www.warriorretirement.com/retirement-savings/am-i-ready-to-retire-this-year</loc>
    <lastmod>2026-05-28</lastmod>
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  <url>
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    <lastmod>2026-05-28</lastmod>
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    <priority>0.7</priority>
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  <url>
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