<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">
  <url>
    <loc>https://topdividendtools.com/</loc>
    <lastmod>2026-01-26</lastmod>  <!-- Change to current date YYYY-MM-DD when you commit -->
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>
</urlset>
