<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9"
        xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"
        xsi:schemaLocation="http://www.sitemaps.org/schemas/sitemap/0.9
          http://www.sitemaps.org/schemas/sitemap/0.9/sitemap.xsd">

  <!-- Homepage — highest priority -->
  <url>
    <loc>https://vaquerowealth.com/</loc>
    <lastmod>2026-04-22</lastmod>
    <changefreq>monthly</changefreq>
    <priority>1.0</priority>
  </url>

  <!-- Core service / conversion pages -->
  <url>
    <loc>https://vaquerowealth.com/contact</loc>
    <lastmod>2026-04-22</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <url>
    <loc>https://vaquerowealth.com/services</loc>
    <lastmod>2026-04-22</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <url>
    <loc>https://vaquerowealth.com/investment-management</loc>
    <lastmod>2026-04-22</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Brand / trust pages -->
  <url>
    <loc>https://vaquerowealth.com/about</loc>
    <lastmod>2026-04-22</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://vaquerowealth.com/team</loc>
    <lastmod>2026-04-22</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Content / insights -->
  <url>
    <loc>https://vaquerowealth.com/insights</loc>
    <lastmod>2026-04-22</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Legal / compliance pages -->
  <url>
    <loc>https://vaquerowealth.com/disclosures</loc>
    <lastmod>2026-04-22</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>

  <url>
    <loc>https://vaquerowealth.com/privacy-notice</loc>
    <lastmod>2026-04-22</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>

</urlset>