<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9"
        xmlns:image="http://www.google.com/schemas/sitemap-image/1.1">

  <!-- ==================== HUB (audience picker) ==================== -->
  <url>
    <loc>https://pebyl.ai/</loc>
    <lastmod>2026-05-16</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
    <image:image>
      <image:loc>https://pebyl.ai/og-image.png</image:loc>
      <image:title>Pebyl — Retirement Planning for Public Servants</image:title>
      <image:caption>Free retirement tools and resources for educators, firefighters, and law enforcement officers</image:caption>
    </image:image>
  </url>

  <!-- ==================== EDUCATORS VERTICAL ==================== -->
  <url><loc>https://pebyl.ai/educators</loc><changefreq>weekly</changefreq><priority>0.95</priority></url>
  <url><loc>https://pebyl.ai/educators/calculators</loc><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://pebyl.ai/educators/salary-data</loc><changefreq>monthly</changefreq><priority>0.85</priority></url>
  <url><loc>https://pebyl.ai/educators/career-plan</loc><changefreq>monthly</changefreq><priority>0.85</priority></url>
  <url><loc>https://pebyl.ai/educators/faq</loc><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://pebyl.ai/educators/learn</loc><changefreq>weekly</changefreq><priority>0.85</priority></url>
  <url><loc>https://pebyl.ai/educators/learn/retirement-basics</loc><changefreq>weekly</changefreq><priority>0.85</priority></url>
  <url><loc>https://pebyl.ai/educators/learn/states</loc><changefreq>monthly</changefreq><priority>0.8</priority></url>

  <!-- ==================== FIREFIGHTERS VERTICAL ==================== -->
  <url><loc>https://pebyl.ai/firefighters</loc><changefreq>weekly</changefreq><priority>0.95</priority></url>
  <url><loc>https://pebyl.ai/firefighters/calculators</loc><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://pebyl.ai/firefighters/salary-data</loc><changefreq>monthly</changefreq><priority>0.85</priority></url>
  <url><loc>https://pebyl.ai/firefighters/states</loc><changefreq>monthly</changefreq><priority>0.85</priority></url>
  <url><loc>https://pebyl.ai/firefighters/drop-disability</loc><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://pebyl.ai/firefighters/psob</loc><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://pebyl.ai/firefighters/faq</loc><changefreq>monthly</changefreq><priority>0.8</priority></url>

  <!-- ==================== LAW ENFORCEMENT VERTICAL ==================== -->
  <url><loc>https://pebyl.ai/lawenforcement</loc><changefreq>weekly</changefreq><priority>0.95</priority></url>
  <url><loc>https://pebyl.ai/lawenforcement/calculators</loc><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://pebyl.ai/lawenforcement/salary-data</loc><changefreq>monthly</changefreq><priority>0.85</priority></url>
  <url><loc>https://pebyl.ai/lawenforcement/states</loc><changefreq>monthly</changefreq><priority>0.85</priority></url>
  <url><loc>https://pebyl.ai/lawenforcement/drop-disability</loc><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://pebyl.ai/lawenforcement/psob</loc><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://pebyl.ai/lawenforcement/faq</loc><changefreq>monthly</changefreq><priority>0.8</priority></url>

  <!-- ==================== FINANCIAL PROFESSIONALS ==================== -->
  <url><loc>https://pebyl.ai/for-professionals</loc><changefreq>weekly</changefreq><priority>0.9</priority></url>
  <url><loc>https://pebyl.ai/for-professionals/pricing</loc><changefreq>monthly</changefreq><priority>0.85</priority></url>
  <url><loc>https://pebyl.ai/for-professionals/white-glove</loc><changefreq>monthly</changefreq><priority>0.85</priority></url>
  <url><loc>https://pebyl.ai/for-professionals/crm</loc><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://pebyl.ai/for-professionals/ai-tools</loc><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://pebyl.ai/for-professionals/contact-insights</loc><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://pebyl.ai/for-professionals/public-profile</loc><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://pebyl.ai/for-professionals/tam</loc><changefreq>monthly</changefreq><priority>0.75</priority></url>
  <url><loc>https://pebyl.ai/for-professionals/training</loc><changefreq>monthly</changefreq><priority>0.75</priority></url>

  <!-- ==================== DIRECTORY ==================== -->
  <url><loc>https://pebyl.ai/professionals</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>

  <!-- ==================== TRUST CENTER ==================== -->
  <url><loc>https://pebyl.ai/trust</loc><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://pebyl.ai/trust/mission</loc><changefreq>monthly</changefreq><priority>0.65</priority></url>
  <url><loc>https://pebyl.ai/trust/professionals</loc><changefreq>monthly</changefreq><priority>0.65</priority></url>
  <url><loc>https://pebyl.ai/trust/compliance</loc><changefreq>monthly</changefreq><priority>0.7</priority></url>

  <!-- ==================== LEGAL / ACCOUNT ==================== -->
  <url><loc>https://pebyl.ai/do-not-sell-my-personal-information</loc><changefreq>yearly</changefreq><priority>0.4</priority></url>
  <url><loc>https://pebyl.ai/auth</loc><changefreq>monthly</changefreq><priority>0.5</priority></url>

</urlset>
