<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">
  <!-- Pages principales (blogue en noindex, non listé ; pages institutionnelles hors sitemap) -->
  <url><loc>https://finovia.ca/</loc><lastmod>2026-04-28</lastmod><changefreq>weekly</changefreq><priority>1.0</priority></url>
  <url><loc>https://finovia.ca/contact/</loc><lastmod>2026-05-03</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
  <url><loc>https://finovia.ca/services/</loc><lastmod>2026-04-28</lastmod><changefreq>weekly</changefreq><priority>0.9</priority></url>
  <url><loc>https://finovia.ca/outils/</loc><lastmod>2026-05-12</lastmod><changefreq>monthly</changefreq><priority>0.85</priority></url>

  <!-- Pages de services (piliers) -->
  <url><loc>https://finovia.ca/services/assurance-vie/</loc><lastmod>2026-05-03</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://finovia.ca/services/assurance-hypothecaire/</loc><lastmod>2026-05-03</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://finovia.ca/services/assurance-invalidite/</loc><lastmod>2026-05-03</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://finovia.ca/services/assurance-maladie-grave/</loc><lastmod>2026-05-03</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://finovia.ca/services/assurance-collective-pme/</loc><lastmod>2026-05-03</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://finovia.ca/services/assurance-funeraire/</loc><lastmod>2026-05-03</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://finovia.ca/services/epargne-investissement/</loc><lastmod>2026-05-03</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
  <url><loc>https://finovia.ca/services/strategies-avancees-entrepreneurs/</loc><lastmod>2026-05-03</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
  <url><loc>https://finovia.ca/services/planification-retraite/</loc><lastmod>2026-05-03</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
  <url><loc>https://finovia.ca/services/assurance-auto-habitation/</loc><lastmod>2026-04-28</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://finovia.ca/services/assurance-voyage/</loc><lastmod>2026-04-28</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://finovia.ca/services/courtier-hypothecaire/</loc><lastmod>2026-05-03</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>


  <!-- Formulaires de soumission -->
  <url><loc>https://finovia.ca/soumission/assurance-vie/</loc><lastmod>2026-05-03</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://finovia.ca/soumission/assurance-hypothecaire/</loc><lastmod>2026-05-03</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://finovia.ca/soumission/assurance-invalidite/</loc><lastmod>2026-05-03</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://finovia.ca/soumission/assurance-maladie-grave/</loc><lastmod>2026-05-03</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://finovia.ca/soumission/assurance-collective/</loc><lastmod>2026-05-03</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://finovia.ca/soumission/assurance-funeraire/</loc><lastmod>2026-05-03</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://finovia.ca/soumission/courtier-hypothecaire/</loc><lastmod>2026-05-03</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>

  <!-- Outils -->
  <url><loc>https://finovia.ca/outils/calculateur-budget/</loc><lastmod>2026-04-29</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://finovia.ca/outils/calcul-besoin-assurance/</loc><lastmod>2026-04-29</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://finovia.ca/outils/calculateur-interet-compose/</loc><lastmod>2026-04-28</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://finovia.ca/outils/calculateur-paiement-hypothecaire/</loc><lastmod>2026-05-04</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://finovia.ca/outils/calculateur-impot-deces/</loc><lastmod>2026-04-28</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://finovia.ca/outils/profil-investisseur/</loc><lastmod>2026-04-28</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>

</urlset>
