<?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" xmlns:xhtml="http://www.w3.org/1999/xhtml">
  <url>
    <loc>https://www.spectrafinancial.co.nz/contact</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-11-20</lastmod>
  </url>
  <url>
    <loc>https://www.spectrafinancial.co.nz/about</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-11-26</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67f4a0ac8487065ab7c8fc3e/191d1502-62ad-4c09-a48b-0e455413708a/Piet+Witteveen+-+Headshot+-+grey+background.JPG</image:loc>
    </image:image>
  </url>
  <url>
    <loc>https://www.spectrafinancial.co.nz/personal</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-12-11</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67f4a0ac8487065ab7c8fc3e/58bb7073-9cd0-4c01-92a2-54d3894f6d30/Debt+repayment+icon.png</image:loc>
      <image:title>Personal</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67f4a0ac8487065ab7c8fc3e/6849acdc-2755-4cd0-a5aa-4486091940a8/Budgeting+icon.png</image:loc>
      <image:title>Personal</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67f4a0ac8487065ab7c8fc3e/a1e5ef84-2e36-434e-8d81-66546d52369b/Cash+allocation+icon.png</image:loc>
      <image:title>Personal</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67f4a0ac8487065ab7c8fc3e/d66e32fb-2af3-4339-8397-b11b68901e45/Personal+insurance+icon.png</image:loc>
      <image:title>Personal</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67f4a0ac8487065ab7c8fc3e/58bb7073-9cd0-4c01-92a2-54d3894f6d30/Debt+repayment+icon.png</image:loc>
      <image:title>Personal</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67f4a0ac8487065ab7c8fc3e/6849acdc-2755-4cd0-a5aa-4486091940a8/Budgeting+icon.png</image:loc>
      <image:title>Personal</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67f4a0ac8487065ab7c8fc3e/a1e5ef84-2e36-434e-8d81-66546d52369b/Cash+allocation+icon.png</image:loc>
      <image:title>Personal</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67f4a0ac8487065ab7c8fc3e/d66e32fb-2af3-4339-8397-b11b68901e45/Personal+insurance+icon.png</image:loc>
      <image:title>Personal</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.spectrafinancial.co.nz/home</loc>
    <changefreq>daily</changefreq>
    <priority>1.0</priority>
    <lastmod>2025-12-15</lastmod>
  </url>
  <url>
    <loc>https://www.spectrafinancial.co.nz/disclosures</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-11-25</lastmod>
  </url>
  <url>
    <loc>https://www.spectrafinancial.co.nz/privacy-policy</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-11-24</lastmod>
  </url>
  <url>
    <loc>https://www.spectrafinancial.co.nz/business</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-11-25</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67f4a0ac8487065ab7c8fc3e/58bb7073-9cd0-4c01-92a2-54d3894f6d30/Debt+repayment+icon.png</image:loc>
      <image:title>Business</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67f4a0ac8487065ab7c8fc3e/6849acdc-2755-4cd0-a5aa-4486091940a8/Budgeting+icon.png</image:loc>
      <image:title>Business</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67f4a0ac8487065ab7c8fc3e/58bb7073-9cd0-4c01-92a2-54d3894f6d30/Debt+repayment+icon.png</image:loc>
      <image:title>Business</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/67f4a0ac8487065ab7c8fc3e/6849acdc-2755-4cd0-a5aa-4486091940a8/Budgeting+icon.png</image:loc>
      <image:title>Business</image:title>
    </image:image>
  </url>
</urlset>

