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			<guid><![CDATA[https://ohagan.co.za/dodgy-deck-when-a-property-defect-is-your-problem-not-the-sellers/]]></guid>
			<link><![CDATA[https://ohagan.co.za/dodgy-deck-when-a-property-defect-is-your-problem-not-the-sellers/]]></link>
			<title>Dodgy Deck: When a Property Defect is Your Problem, Not the Seller’s</title>
			<pubDate><![CDATA[Wed, 03 Jun 2026 06:17:19 +0000]]></pubDate>
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			<title>Married Out of Community of Property? You May Still Be Entitled to a Share</title>
			<pubDate><![CDATA[Wed, 03 Jun 2026 06:17:04 +0000]]></pubDate>
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			<title>Estate Planning: The Ambush Tax Lurking in the Wings</title>
			<pubDate><![CDATA[Wed, 03 Jun 2026 06:16:49 +0000]]></pubDate>
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			<title>Your Property Purchase Collapses: Can You Get Your Deposit Back?</title>
			<pubDate><![CDATA[Wed, 03 Jun 2026 06:14:52 +0000]]></pubDate>
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			<title>Online Application for Antenuptial Contract</title>
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			<title>What Does Financial Planning Look Like if You Don’t Have Kids?</title>
			<pubDate><![CDATA[Thu, 02 Jul 2026 12:19:37 +0000]]></pubDate>
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			<guid><![CDATA[https://ohagan.co.za/your-dormant-trust-is-not-invisible-to-sars/]]></guid>
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			<title>Your Dormant Trust Is Not Invisible to SARS</title>
			<pubDate><![CDATA[Thu, 02 Jul 2026 12:06:43 +0000]]></pubDate>
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			<guid><![CDATA[https://ohagan.co.za/the-highest-return-on-investment-may-not-be-financial/]]></guid>
			<link><![CDATA[https://ohagan.co.za/the-highest-return-on-investment-may-not-be-financial/]]></link>
			<title>The Highest Return on Investment May Not Be Financial</title>
			<pubDate><![CDATA[Thu, 02 Jul 2026 12:05:00 +0000]]></pubDate>
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			<guid><![CDATA[https://ohagan.co.za/climbing-a-wall-of-worry-on-an-unstable-footing/]]></guid>
			<link><![CDATA[https://ohagan.co.za/climbing-a-wall-of-worry-on-an-unstable-footing/]]></link>
			<title>Climbing a “Wall of Worry” on an Unstable Footing</title>
			<pubDate><![CDATA[Fri, 08 May 2026 08:56:08 +0000]]></pubDate>
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			<guid><![CDATA[https://ohagan.co.za/what-if-you-live-longer-than-you-thought-you-would/]]></guid>
			<link><![CDATA[https://ohagan.co.za/what-if-you-live-longer-than-you-thought-you-would/]]></link>
			<title>What if You Live Longer Than You Thought You Would?</title>
			<pubDate><![CDATA[Thu, 07 May 2026 07:15:24 +0000]]></pubDate>
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			<guid><![CDATA[https://ohagan.co.za/why-every-south-african-also-needs-a-digital-will/]]></guid>
			<link><![CDATA[https://ohagan.co.za/why-every-south-african-also-needs-a-digital-will/]]></link>
			<title>Why Every South African Also Needs a “Digital Will”</title>
			<pubDate><![CDATA[Thu, 07 May 2026 07:12:50 +0000]]></pubDate>
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			<guid><![CDATA[https://ohagan.co.za/online-application-for-antenuptial-contract-2/]]></guid>
			<link><![CDATA[https://ohagan.co.za/online-application-for-antenuptial-contract-2/]]></link>
			<title>Online Application for Antenuptial Contract</title>
			<pubDate><![CDATA[Thu, 16 Apr 2026 12:01:31 +0000]]></pubDate>
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			<guid><![CDATA[https://ohagan.co.za/your-year-end-tax-checklist-smart-moves-before-28-february/]]></guid>
			<link><![CDATA[https://ohagan.co.za/your-year-end-tax-checklist-smart-moves-before-28-february/]]></link>
			<title>Your Year-End Tax Checklist: Smart Moves Before 28 February</title>
			<pubDate><![CDATA[Tue, 03 Feb 2026 13:03:09 +0000]]></pubDate>
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			<guid><![CDATA[https://ohagan.co.za/online-application-for-antenuptial-contract-4/]]></guid>
			<link><![CDATA[https://ohagan.co.za/online-application-for-antenuptial-contract-4/]]></link>
			<title>Online Application for Antenuptial Contract</title>
			<pubDate><![CDATA[Thu, 16 Apr 2026 12:00:37 +0000]]></pubDate>
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			<title>Online Application for Antenuptial Contract</title>
			<pubDate><![CDATA[Thu, 16 Apr 2026 11:58:49 +0000]]></pubDate>
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			<title>News</title>
			<pubDate><![CDATA[Thu, 02 Apr 2026 12:09:48 +0000]]></pubDate>
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			<title>Geopolitical Tensions and Your Investments</title>
			<pubDate><![CDATA[Thu, 02 Apr 2026 12:03:02 +0000]]></pubDate>
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			<link><![CDATA[https://ohagan.co.za/buying-a-house-what-costs-will-you-pay-and-when/]]></link>
			<title>Buying a House: What Costs Will You Pay, and When?</title>
			<pubDate><![CDATA[Thu, 02 Apr 2026 12:02:32 +0000]]></pubDate>
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			<guid><![CDATA[https://ohagan.co.za/beyond-your-will-leaving-a-legacy/]]></guid>
			<link><![CDATA[https://ohagan.co.za/beyond-your-will-leaving-a-legacy/]]></link>
			<title>Beyond Your Will: Leaving a Legacy</title>
			<pubDate><![CDATA[Thu, 02 Apr 2026 12:00:00 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://ohagan.co.za/choose-your-conveyancer-with-care-a-cautionary-tale-of-fraud-unravels-all/]]></guid>
			<link><![CDATA[https://ohagan.co.za/choose-your-conveyancer-with-care-a-cautionary-tale-of-fraud-unravels-all/]]></link>
			<title>Choose Your Conveyancer with Care! A Cautionary Tale of “Fraud Unravels All”</title>
			<pubDate><![CDATA[Mon, 09 Mar 2026 10:13:30 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://ohagan.co.za/the-25x-rule-busting-the-myth-of-the-magic-number/]]></guid>
			<link><![CDATA[https://ohagan.co.za/the-25x-rule-busting-the-myth-of-the-magic-number/]]></link>
			<title>The 25x Rule: Busting the Myth of the Magic Number</title>
			<pubDate><![CDATA[Tue, 03 Feb 2026 13:02:31 +0000]]></pubDate>
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			<guid><![CDATA[https://ohagan.co.za/the-grey-zone-its-time-to-redefine-retirement/]]></guid>
			<link><![CDATA[https://ohagan.co.za/the-grey-zone-its-time-to-redefine-retirement/]]></link>
			<title>The “Grey Zone”: It’s Time to Redefine Retirement              </title>
			<pubDate><![CDATA[Mon, 09 Mar 2026 10:11:25 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://ohagan.co.za/the-most-important-financial-concept-is/]]></guid>
			<link><![CDATA[https://ohagan.co.za/the-most-important-financial-concept-is/]]></link>
			<title>The Most Important Financial Concept Is …</title>
			<pubDate><![CDATA[Tue, 03 Feb 2026 13:01:05 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://ohagan.co.za/online-application-for-antenuptial-contract-3/]]></guid>
			<link><![CDATA[https://ohagan.co.za/online-application-for-antenuptial-contract-3/]]></link>
			<title>Online Application for Antenuptial Contract</title>
			<pubDate><![CDATA[Thu, 16 Apr 2026 11:59:56 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://ohagan.co.za/love-and-the-law-cohabiting-get-your-house-in-order-now/]]></guid>
			<link><![CDATA[https://ohagan.co.za/love-and-the-law-cohabiting-get-your-house-in-order-now/]]></link>
			<title>Love and the Law: Cohabiting? Get Your House in Order Now</title>
			<pubDate><![CDATA[Tue, 03 Feb 2026 12:56:57 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://ohagan.co.za/disclaimer/]]></guid>
			<link><![CDATA[https://ohagan.co.za/disclaimer/]]></link>
			<title>Disclaimer</title>
			<pubDate><![CDATA[Thu, 09 Jul 2026 12:36:58 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://ohagan.co.za/electronic-wills-arent-valid-stick-to-pen-and-paper/]]></guid>
			<link><![CDATA[https://ohagan.co.za/electronic-wills-arent-valid-stick-to-pen-and-paper/]]></link>
			<title>Electronic Wills Aren’t Valid: Stick to Pen and Paper</title>
			<pubDate><![CDATA[Thu, 15 Jan 2026 13:30:38 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://ohagan.co.za/turn-intentions-into-outcomes-setting-smart-investment-goals-for-2026/]]></guid>
			<link><![CDATA[https://ohagan.co.za/turn-intentions-into-outcomes-setting-smart-investment-goals-for-2026/]]></link>
			<title>Turn Intentions into Outcomes: Setting SMART Investment Goals for 2026</title>
			<pubDate><![CDATA[Thu, 15 Jan 2026 13:30:21 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://ohagan.co.za/your-top-10-legal-new-years-resolutions-for-2026/]]></guid>
			<link><![CDATA[https://ohagan.co.za/your-top-10-legal-new-years-resolutions-for-2026/]]></link>
			<title>Your Top 10 (Legal) New Year’s Resolutions for 2026</title>
			<pubDate><![CDATA[Thu, 15 Jan 2026 13:28:12 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://ohagan.co.za/property-sales-and-side-deals-verbal-agreements-dont-cut-it/]]></guid>
			<link><![CDATA[https://ohagan.co.za/property-sales-and-side-deals-verbal-agreements-dont-cut-it/]]></link>
			<title>Property Sales and Side Deals: Verbal Agreements Don’t Cut it!</title>
			<pubDate><![CDATA[Thu, 15 Jan 2026 13:27:56 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://ohagan.co.za/]]></guid>
			<link><![CDATA[https://ohagan.co.za/]]></link>
			<title>Home</title>
			<pubDate><![CDATA[Thu, 09 Jul 2026 12:38:18 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://ohagan.co.za/clause-and-effect/]]></guid>
			<link><![CDATA[https://ohagan.co.za/clause-and-effect/]]></link>
			<title>Clause &amp; Effect</title>
			<pubDate><![CDATA[Thu, 02 Oct 2025 10:14:48 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://ohagan.co.za/budget-2026-what-it-means-for-you-and-your-investments/]]></guid>
			<link><![CDATA[https://ohagan.co.za/budget-2026-what-it-means-for-you-and-your-investments/]]></link>
			<title>Budget 2026: What it Means for You and Your Investments</title>
			<pubDate><![CDATA[Mon, 09 Mar 2026 10:11:12 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://ohagan.co.za/south-africas-exit-from-the-fatf-greylist-what-it-means-for-investors/]]></guid>
			<link><![CDATA[https://ohagan.co.za/south-africas-exit-from-the-fatf-greylist-what-it-means-for-investors/]]></link>
			<title>South Africa’s exit from the FATF Greylist: What it means for investors?</title>
			<pubDate><![CDATA[Wed, 05 Nov 2025 13:39:36 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://ohagan.co.za/should-you-top-up-your-retirement-annuities-now-2/]]></guid>
			<link><![CDATA[https://ohagan.co.za/should-you-top-up-your-retirement-annuities-now-2/]]></link>
			<title>Should You Top Up Your Retirement Annuities Now?</title>
			<pubDate><![CDATA[Wed, 05 Nov 2025 13:29:01 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://ohagan.co.za/are-you-financially-fluent-or-just-faking-it/]]></guid>
			<link><![CDATA[https://ohagan.co.za/are-you-financially-fluent-or-just-faking-it/]]></link>
			<title>Are You Financially Fluent or Just Faking It?</title>
			<pubDate><![CDATA[Wed, 05 Nov 2025 13:26:24 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://ohagan.co.za/who-should-inherit-your-wealth/]]></guid>
			<link><![CDATA[https://ohagan.co.za/who-should-inherit-your-wealth/]]></link>
			<title>Who Should Inherit Your Wealth?</title>
			<pubDate><![CDATA[Wed, 05 Nov 2025 13:25:59 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://ohagan.co.za/gift-vs-loan-the-devils-in-the-details/]]></guid>
			<link><![CDATA[https://ohagan.co.za/gift-vs-loan-the-devils-in-the-details/]]></link>
			<title>Gift Vs. Loan: The Devil’s in the Details</title>
			<pubDate><![CDATA[Wed, 05 Nov 2025 13:24:45 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://ohagan.co.za/contact-us/]]></guid>
			<link><![CDATA[https://ohagan.co.za/contact-us/]]></link>
			<title>Contact Us</title>
			<pubDate><![CDATA[Tue, 28 Oct 2025 10:20:28 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://ohagan.co.za/from-tiktok-to-your-wallet-understanding-social-media-money-trends/]]></guid>
			<link><![CDATA[https://ohagan.co.za/from-tiktok-to-your-wallet-understanding-social-media-money-trends/]]></link>
			<title>From TikTok to Your Wallet: Understanding Social Media Money Trends</title>
			<pubDate><![CDATA[Mon, 08 Dec 2025 10:05:59 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://ohagan.co.za/this-festive-season-learn-how-to-talk-about-money-with-grace/]]></guid>
			<link><![CDATA[https://ohagan.co.za/this-festive-season-learn-how-to-talk-about-money-with-grace/]]></link>
			<title>This Festive Season, Learn how to Talk About Money With Grace</title>
			<pubDate><![CDATA[Mon, 08 Dec 2025 10:05:44 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://ohagan.co.za/market-update-november-delivers-several-early-gifts-for-sa-investors/]]></guid>
			<link><![CDATA[https://ohagan.co.za/market-update-november-delivers-several-early-gifts-for-sa-investors/]]></link>
			<title>Market Update: November Delivers Several Early Gifts for SA Investors</title>
			<pubDate><![CDATA[Mon, 08 Dec 2025 10:05:26 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://ohagan.co.za/can-you-airbnb-your-house-or-apartment-in-a-residential-complex/]]></guid>
			<link><![CDATA[https://ohagan.co.za/can-you-airbnb-your-house-or-apartment-in-a-residential-complex/]]></link>
			<title>Can You Airbnb Your House or Apartment in a Residential Complex?</title>
			<pubDate><![CDATA[Mon, 08 Dec 2025 10:01:51 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://ohagan.co.za/empower-yourself-by-understanding-these-key-investment-terms/]]></guid>
			<link><![CDATA[https://ohagan.co.za/empower-yourself-by-understanding-these-key-investment-terms/]]></link>
			<title>Empower Yourself by Understanding These Key Investment Terms</title>
			<pubDate><![CDATA[Fri, 03 Oct 2025 08:44:43 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://ohagan.co.za/fobo-the-silent-saboteur-of-wealth/]]></guid>
			<link><![CDATA[https://ohagan.co.za/fobo-the-silent-saboteur-of-wealth/]]></link>
			<title>FOBO: The Silent Saboteur of Wealth</title>
			<pubDate><![CDATA[Fri, 03 Oct 2025 08:09:11 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://ohagan.co.za/preserving-legacy-beyond-wealth/]]></guid>
			<link><![CDATA[https://ohagan.co.za/preserving-legacy-beyond-wealth/]]></link>
			<title>Preserving Legacy Beyond Wealth</title>
			<pubDate><![CDATA[Fri, 03 Oct 2025 08:07:56 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://ohagan.co.za/the-transfer-process-in-a-nutshell/]]></guid>
			<link><![CDATA[https://ohagan.co.za/the-transfer-process-in-a-nutshell/]]></link>
			<title>The Transfer Process in a Nutshell</title>
			<pubDate><![CDATA[Fri, 03 Oct 2025 07:28:06 +0000]]></pubDate>
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			<guid><![CDATA[https://ohagan.co.za/testimonials/]]></guid>
			<link><![CDATA[https://ohagan.co.za/testimonials/]]></link>
			<title>Testimonials</title>
			<pubDate><![CDATA[Thu, 02 Oct 2025 10:11:45 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://ohagan.co.za/market-update-the-investor-costs-of-living-with-unending-tariff-uncertainty/]]></guid>
			<link><![CDATA[https://ohagan.co.za/market-update-the-investor-costs-of-living-with-unending-tariff-uncertainty/]]></link>
			<title>Market Update: The Investor Costs of Living with Unending Tariff Uncertainty</title>
			<pubDate><![CDATA[Mon, 09 Mar 2026 10:10:53 +0000]]></pubDate>
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