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

  <!-- Homepage — primary entry point for high-income W2 tax audience -->
  <url>
    <loc>https://www.serra-wealth.com/</loc>
    <lastmod>2025-05-26</lastmod>
    <changefreq>monthly</changefreq>
    <priority>1.0</priority>
  </url>

  <!-- Strategies hub — top-of-funnel for both strategy tracks -->
  <url>
    <loc>https://www.serra-wealth.com/strategies.html</loc>
    <lastmod>2025-05-26</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Financing Deductions — primary lead gen page (Charitable Gift Financing) -->
  <url>
    <loc>https://www.serra-wealth.com/financing-deductions.html</loc>
    <lastmod>2025-05-26</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Equity Compensation — primary lead gen page ($10M+ equity planning) -->
  <url>
    <loc>https://www.serra-wealth.com/iso.html</loc>
    <lastmod>2025-05-26</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Assessment — mid-funnel qualifier, high conversion intent -->
  <url>
    <loc>https://www.serra-wealth.com/assessment.html</loc>
    <lastmod>2025-05-26</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Specialist Introduction — bottom-of-funnel, equity compensation track -->
  <url>
    <loc>https://www.serra-wealth.com/specialist.html</loc>
    <lastmod>2025-05-26</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Tax Risk — trust/credibility page, supports conversion -->
  <url>
    <loc>https://www.serra-wealth.com/tax-risk.html</loc>
    <lastmod>2025-05-26</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>

  <!-- thank-you.html intentionally excluded — no indexing value -->

</urlset>
