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

  <!-- Core pages, industry pages, service landing pages, informational guides, all 50 state hubs,
       GTO map tool (incl. 3 active 2026 GTOs + historical), SAR Decision Tree,
       31 C.F.R. Part 1031 guide, certificate verification (/verify), mortgage risk assessment tool,
       AML red flag library (library + 18 landing pages), BSA/AML audit simulator,
       free AML image library (library + 13 category pages + image detail pages),
       AML training center sub-brand pages — Schema.org JSON-LD audited 2026-05-26 -->
  <sitemap>
    <loc>https://sofloconsulting.net/sitemap-core.xml</loc>
    <lastmod>2026-05-26T19:36:24.092Z</lastmod>
  </sitemap>

  <!-- City / location landing pages (119+ cities across all 50 states) -->
  <sitemap>
    <loc>https://sofloconsulting.net/sitemap-cities.xml</loc>
    <lastmod>2026-05-26T19:36:24.092Z</lastmod>
  </sitemap>

  <!-- Insight articles (all years 2022–2026) -->
  <sitemap>
    <loc>https://sofloconsulting.net/sitemap-articles.xml</loc>
    <lastmod>2026-05-26T19:36:24.092Z</lastmod>
  </sitemap>

  <!-- AML compliance image library (78+ free downloadable images + 13 category pages) -->
  <sitemap>
    <loc>https://sofloconsulting.net/sitemap-images.xml</loc>
    <lastmod>2026-05-26T19:36:24.092Z</lastmod>
  </sitemap>

</sitemapindex>