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  <!-- ── Priority 1.0 — Core conversion + highest-intent SEO ── -->
  <url><loc>https://cgtadvisor.au/</loc><lastmod>2026-05-21</lastmod><changefreq>weekly</changefreq><priority>1.0</priority></url>
  <url><loc>https://cgtadvisor.au/cgt-cliff-2027</loc><lastmod>2026-05-21</lastmod><changefreq>weekly</changefreq><priority>1.0</priority></url>
  <url><loc>https://cgtadvisor.au/budget-2026</loc><lastmod>2026-05-21</lastmod><changefreq>weekly</changefreq><priority>1.0</priority></url>

  <!-- ── Layer 1: CGT Hub — Pillar + 2027 Tracker ── -->
  <url><loc>https://cgtadvisor.au/cgt-investment-property-guide</loc><lastmod>2026-05-22</lastmod><changefreq>monthly</changefreq><priority>1.0</priority></url>
  <url><loc>https://cgtadvisor.au/cgt-changes-2027</loc><lastmod>2026-05-22</lastmod><changefreq>weekly</changefreq><priority>1.0</priority></url>

  <!-- ── Layer 2: State-based CGT pages ── -->
  <url><loc>https://cgtadvisor.au/cgt-calculator/nsw</loc><lastmod>2026-05-22</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://cgtadvisor.au/cgt-calculator/vic</loc><lastmod>2026-05-22</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://cgtadvisor.au/cgt-calculator/qld</loc><lastmod>2026-05-22</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://cgtadvisor.au/cgt-calculator/wa</loc><lastmod>2026-05-22</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://cgtadvisor.au/cgt-calculator/sa</loc><lastmod>2026-05-22</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://cgtadvisor.au/cgt-calculator/act</loc><lastmod>2026-05-22</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>

  <!-- ── Disruptive SEO pages ── -->
  <url><loc>https://cgtadvisor.au/cgt-calculator-vs-accountant</loc><lastmod>2026-05-22</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://cgtadvisor.au/should-i-sell-investment-property-2027</loc><lastmod>2026-05-22</lastmod><changefreq>weekly</changefreq><priority>1.0</priority></url>
  <url><loc>https://cgtadvisor.au/cost-base-checklist-investment-property</loc><lastmod>2026-05-22</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://cgtadvisor.au/cgt-on-200k-capital-gain</loc><lastmod>2026-05-22</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://cgtadvisor.au/cgt-on-300k-capital-gain</loc><lastmod>2026-05-22</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://cgtadvisor.au/cgt-on-500k-capital-gain</loc><lastmod>2026-05-22</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://cgtadvisor.au/cgt-on-750k-capital-gain</loc><lastmod>2026-05-22</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://cgtadvisor.au/cgt-on-1m-capital-gain</loc><lastmod>2026-05-22</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://cgtadvisor.au/cgt-on-1.5m-capital-gain</loc><lastmod>2026-05-22</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://cgtadvisor.au/cgt-on-2m-capital-gain</loc><lastmod>2026-05-22</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>

  <!-- ── Layer 3: High-anxiety conversion pages ── -->
  <url><loc>https://cgtadvisor.au/inherited-house-cgt-australia</loc><lastmod>2026-05-22</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://cgtadvisor.au/deceased-estate-cgt-calculator</loc><lastmod>2026-05-22</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://cgtadvisor.au/divorce-settlement-cgt-australia</loc><lastmod>2026-05-22</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://cgtadvisor.au/cgt-gifted-property</loc><lastmod>2026-05-22</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://cgtadvisor.au/cgt-after-separation</loc><lastmod>2026-05-22</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://cgtadvisor.au/cgt-family-trust-property</loc><lastmod>2026-05-22</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>

  <!-- ── Layer 5: Programmatic suburb pages ── -->
  <url><loc>https://cgtadvisor.au/cgt-calculator/suburb/surry-hills</loc><lastmod>2026-05-22</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://cgtadvisor.au/cgt-calculator/suburb/glebe</loc><lastmod>2026-05-22</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://cgtadvisor.au/cgt-calculator/suburb/paddington</loc><lastmod>2026-05-22</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://cgtadvisor.au/cgt-calculator/suburb/manly</loc><lastmod>2026-05-22</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://cgtadvisor.au/cgt-calculator/suburb/st-ives</loc><lastmod>2026-05-22</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://cgtadvisor.au/cgt-calculator/suburb/bondi</loc><lastmod>2026-05-22</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://cgtadvisor.au/cgt-calculator/suburb/newtown</loc><lastmod>2026-05-22</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://cgtadvisor.au/cgt-calculator/suburb/balmain</loc><lastmod>2026-05-22</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://cgtadvisor.au/cgt-calculator/suburb/mosman</loc><lastmod>2026-05-22</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://cgtadvisor.au/cgt-calculator/suburb/chatswood</loc><lastmod>2026-05-22</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://cgtadvisor.au/cgt-calculator/suburb/dee-why</loc><lastmod>2026-05-22</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://cgtadvisor.au/cgt-calculator/suburb/cronulla</loc><lastmod>2026-05-22</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://cgtadvisor.au/cgt-calculator/suburb/richmond</loc><lastmod>2026-05-22</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://cgtadvisor.au/cgt-calculator/suburb/south-yarra</loc><lastmod>2026-05-22</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://cgtadvisor.au/cgt-calculator/suburb/st-kilda</loc><lastmod>2026-05-22</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://cgtadvisor.au/cgt-calculator/suburb/fitzroy</loc><lastmod>2026-05-22</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://cgtadvisor.au/cgt-calculator/suburb/brighton</loc><lastmod>2026-05-22</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://cgtadvisor.au/cgt-calculator/suburb/toorak</loc><lastmod>2026-05-22</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://cgtadvisor.au/cgt-calculator/suburb/hawthorn</loc><lastmod>2026-05-22</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://cgtadvisor.au/cgt-calculator/suburb/camberwell</loc><lastmod>2026-05-22</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://cgtadvisor.au/cgt-calculator/suburb/malvern</loc><lastmod>2026-05-22</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://cgtadvisor.au/cgt-calculator/suburb/brunswick</loc><lastmod>2026-05-22</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://cgtadvisor.au/cgt-calculator/suburb/northcote</loc><lastmod>2026-05-22</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://cgtadvisor.au/cgt-calculator/suburb/prahran</loc><lastmod>2026-05-22</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://cgtadvisor.au/cgt-calculator/suburb/essendon</loc><lastmod>2026-05-22</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>

  <!-- ── Priority 0.95 — High-intent SEO landing pages ── -->
  <url><loc>https://cgtadvisor.au/grandfathered-cgt</loc><lastmod>2026-05-21</lastmod><changefreq>weekly</changefreq><priority>0.95</priority></url>
  <url><loc>https://cgtadvisor.au/cpi-indexation</loc><lastmod>2026-05-21</lastmod><changefreq>weekly</changefreq><priority>0.95</priority></url>
  <url><loc>https://cgtadvisor.au/negative-gearing-changes</loc><lastmod>2026-05-21</lastmod><changefreq>weekly</changefreq><priority>0.95</priority></url>
  <url><loc>https://cgtadvisor.au/how-to-calculate-cgt</loc><lastmod>2026-05-21</lastmod><changefreq>monthly</changefreq><priority>0.95</priority></url>
  <url><loc>https://cgtadvisor.au/disposal-modeller-guide</loc><lastmod>2026-05-22</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>

  <!-- ── Priority 0.9 — Core platform + blog ── -->
  <url><loc>https://cgtadvisor.au/features</loc><lastmod>2026-05-21</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://cgtadvisor.au/signup</loc><lastmod>2026-05-21</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://cgtadvisor.au/blog</loc><lastmod>2026-05-21</lastmod><changefreq>weekly</changefreq><priority>0.9</priority></url>

  <!-- ── Priority 0.9 — Blog articles ── -->
  <url><loc>https://cgtadvisor.au/blog/should-i-sell-investment-property-before-2027</loc><lastmod>2026-05-21</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://cgtadvisor.au/blog/budget-2026-property-investors-complete-guide</loc><lastmod>2026-05-21</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://cgtadvisor.au/blog/cgt-discount-abolished-what-it-means</loc><lastmod>2026-05-21</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://cgtadvisor.au/blog/cost-base-mistakes-property-investors</loc><lastmod>2026-05-21</lastmod><changefreq>monthly</changefreq><priority>0.85</priority></url>
  <url><loc>https://cgtadvisor.au/blog/negative-gearing-explained-australia</loc><lastmod>2026-05-21</lastmod><changefreq>monthly</changefreq><priority>0.85</priority></url>
  <url><loc>https://cgtadvisor.au/blog/property-investment-tax-deductions-australia-2026</loc><lastmod>2026-05-21</lastmod><changefreq>monthly</changefreq><priority>0.85</priority></url>

  <!-- ── Priority 0.85 — Resource pages ── -->
  <url><loc>https://cgtadvisor.au/cgt-guide</loc><lastmod>2026-05-21</lastmod><changefreq>monthly</changefreq><priority>0.85</priority></url>
  <url><loc>https://cgtadvisor.au/stamp-duty</loc><lastmod>2026-05-21</lastmod><changefreq>monthly</changefreq><priority>0.85</priority></url>
  <url><loc>https://cgtadvisor.au/ato-resources</loc><lastmod>2026-05-21</lastmod><changefreq>monthly</changefreq><priority>0.75</priority></url>
  <url><loc>https://cgtadvisor.au/help</loc><lastmod>2026-05-21</lastmod><changefreq>monthly</changefreq><priority>0.75</priority></url>

  <!-- ── Priority 0.8 — Adviser acquisition ── -->
  <url><loc>https://cgtadvisor.au/for-advisers</loc><lastmod>2026-05-21</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://cgtadvisor.au/advisers/signup</loc><lastmod>2026-05-21</lastmod><changefreq>monthly</changefreq><priority>0.75</priority></url>

  <!-- ── Priority 0.7 — Company pages ── -->
  <url><loc>https://cgtadvisor.au/trust</loc><lastmod>2026-05-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://cgtadvisor.au/about</loc><lastmod>2026-05-21</lastmod><changefreq>monthly</changefreq><priority>0.65</priority></url>
  <url><loc>https://cgtadvisor.au/contact</loc><lastmod>2026-05-21</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>

  <!-- ── Priority 0.5 — Auth + legal ── -->
  <url><loc>https://cgtadvisor.au/login</loc><lastmod>2026-05-21</lastmod><changefreq>yearly</changefreq><priority>0.5</priority></url>
  <url><loc>https://cgtadvisor.au/privacy</loc><lastmod>2026-05-21</lastmod><changefreq>yearly</changefreq><priority>0.4</priority></url>
  <url><loc>https://cgtadvisor.au/terms</loc><lastmod>2026-05-21</lastmod><changefreq>yearly</changefreq><priority>0.4</priority></url>

</urlset>
