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		<title>Own What's Yours - a series on Estate Planning</title>
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		<description>Having a will in place is not about preparing for death. It’s about making life easier for the people you love most. Discovery Limited aims to simplify estate planning by offering holistic, professional and practical guidance through a seven-part podcast series, Own What’s Yours. Hosted by Harry Joffe, Head of Legal Services at Discovery Life, the series features conversations with estate planning experts on Wills, trusts, and how to protect your legacy.</description>
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		<pubDate>Fri, 05 Jun 2026 12:39:07 +0200</pubDate>
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		<title>Estate planning: Why the majority of South Africans don't have a Will</title>
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		<description><![CDATA[Can you have a solid financial plan in place, without a Will? Harry Joffe, Head of Legal Services at Discovery Life, and Gareth Friedlander, Deputy CEO at Discovery Life, discuss consumer behaviour toward estate planning and why 70% of South Africans don't have a Will. They also explain how Discovery Life is challenging the status quo by encouraging and incentivising better estate planning choices through a new product suite that alleviates hidden costs, covers taxes, and helps to pay for your child's education when you are no longer here. ]]></description>
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				<pubDate>Thu, 20 Aug 2026 14:40:00 +0200</pubDate>
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						<itunes:title>Estate planning: Why the majority of South Africans don't have a Will</itunes:title>
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		<itunes:summary><![CDATA[Can you have a solid financial plan in place, without a Will? Harry Joffe, Head of Legal Services at Discovery Life, and Gareth Friedlander, Deputy CEO at Discovery Life, discuss consumer behaviour toward estate planning and why 70% of South Africans don't have a Will. They also explain how Discovery Life is challenging the status quo by encouraging and incentivising better estate planning choices through a new product suite that alleviates hidden costs, covers taxes, and helps to pay for your child's education when you are no longer here.]]></itunes:summary>
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		<title>Her legacy matters: Women and the power of a Will</title>
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		<description><![CDATA[No two women’s lives look the same. Whether you’re single, a mother, a spouse, a partner, guardian or a caregiver, you may carry financial and family responsibilities that require careful planning.<br />
 <br />
In this episode of Own What’s Yours, Harry Joffe, Head of Legal Services at Discovery Life, speaks to Kashmeera Kanji, Head of Distribution Strategy and Market Analytics at Discovery Life about the importance of holistic estate planning for women. They unpack how poor planning, no valid Will or an estate without enough money can affect minor beneficiaries, and the loved ones left behind.<br />
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As your life changes, so do your responsibilities, priorities and the legacy you want to leave behind. That’s why estate planning should reflect your life today and the people who matter most to you. ]]></description>
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				<pubDate>Tue, 04 Aug 2026 08:19:00 +0200</pubDate>
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						<itunes:title>Her legacy matters: Women and the power of a Will</itunes:title>
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		<itunes:summary><![CDATA[No two women’s lives look the same. Whether you’re single, a mother, a spouse, a partner, guardian or a caregiver, you may carry financial and family responsibilities that require careful planning.
 
In this episode of Own What’s Yours, Harry Joffe, Head of Legal Services at Discovery Life, speaks to Kashmeera Kanji, Head of Distribution Strategy and Market Analytics at Discovery Life about the importance of holistic estate planning for women. They unpack how poor planning, no valid Will or an estate without enough money can affect minor beneficiaries, and the loved ones left behind.
 
As your life changes, so do your responsibilities, priorities and the legacy you want to leave behind. That’s why estate planning should reflect your life today and the people who matter most to you.]]></itunes:summary>
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		<title>Offshore trusts</title>
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		<description><![CDATA[Offshore trusts require a professional with expertise in the jurisdiction where the trust will be located.<br />
 <br />
Harry Joffe, Head of Legal Services at Discovery Life, speaks to Rolf Odendaal, Business Development Executive at Boston MFO in the Isle of Man. They discuss offshore international trusts and how they are an option worth considering if you have international assets or children studying or considering living abroad. They also unpack the associated risks and key considerations when deciding if this structure is right for you. ]]></description>
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				<pubDate>Thu, 02 Jul 2026 14:02:00 +0200</pubDate>
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						<itunes:title>Offshore trusts</itunes:title>
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		<itunes:summary><![CDATA[Offshore trusts require a professional with expertise in the jurisdiction where the trust will be located.
 
Harry Joffe, Head of Legal Services at Discovery Life, speaks to Rolf Odendaal, Business Development Executive at Boston MFO in the Isle of Man. They discuss offshore international trusts and how they are an option worth considering if you have international assets or children studying or considering living abroad. They also unpack the associated risks and key considerations when deciding if this structure is right for you.]]></itunes:summary>
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		<title>Crypto and estate planning</title>
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		<description><![CDATA[Do you own digital assets like crypto, stablecoins, or non‑fungible tokens? Do you have a plan in place to protect them and to ensure that if you pass away, your beneficiaries can access them even without knowing your passwords?<br />
 <br />
Harry Joffe, Head of Legal Services at Discovery Life, speaks to Andy Bailey, Head of Private Client at Ocorian, about why digital assets should form part of your estate planning. They explore the importance of appointing an executor or trustee with digital estate expertise, and unpack key considerations when it comes to securely managing and passing on private keys and passwords. ]]></description>
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				<pubDate>Fri, 26 Jun 2026 13:55:00 +0200</pubDate>
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						<itunes:title>Crypto and estate planning</itunes:title>
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		<itunes:author>Harry Joffe</itunes:author>
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		<itunes:summary><![CDATA[Do you own digital assets like crypto, stablecoins, or non‑fungible tokens? Do you have a plan in place to protect them and to ensure that if you pass away, your beneficiaries can access them even without knowing your passwords?
 
Harry Joffe, Head of Legal Services at Discovery Life, speaks to Andy Bailey, Head of Private Client at Ocorian, about why digital assets should form part of your estate planning. They explore the importance of appointing an executor or trustee with digital estate expertise, and unpack key considerations when it comes to securely managing and passing on private keys and passwords.]]></itunes:summary>
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		<title>How trusts work</title>
		<link>https://iono.fm/e/1690014</link>
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		<description><![CDATA[In this episode of Own What’s Yours, host Harry Joffe, Head of Legal Services at Discovery, speaks to Terri Berkowitz, Specialist Attorney at Terri Berkowitz & Associates, about the role of trusts in estate planning. They unpack different trust structures, how they work, and the associated costs, as well as common pitfalls to avoid when setting up a trust. The conversation also explores why trusts aren’t just for the wealthy, but can benefit anyone looking to protect and manage their estate effectively.<br />
 <br />
Own What’s Yours is brought to you by Discovery. The series focuses on holistic estate planning by exploring key topics with industry experts to empower and educate consumers. For more information, visit www.discovery.co.za or speak to your financial adviser. ]]></description>
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				<pubDate>Fri, 26 Jun 2026 13:52:00 +0200</pubDate>
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						<itunes:title>How trusts work</itunes:title>
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		<itunes:summary><![CDATA[In this episode of Own What’s Yours, host Harry Joffe, Head of Legal Services at Discovery, speaks to Terri Berkowitz, Specialist Attorney at Terri Berkowitz & Associates, about the role of trusts in estate planning. They unpack different trust structures, how they work, and the associated costs, as well as common pitfalls to avoid when setting up a trust. The conversation also explores why trusts aren’t just for the wealthy, but can benefit anyone looking to protect and manage their estate effectively.
 
Own What’s Yours is brought to you by Discovery. The series focuses on holistic estate planning by exploring key topics with industry experts to empower and educate consumers. For more information, visit www.discovery.co.za or speak to your financial adviser.]]></itunes:summary>
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		<title>The cost of winding up an estate</title>
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		<description><![CDATA[The cost of living is rising – but so is the cost of winding up an estate. In this episode, Harry Joffe, Head of Legal Services at Discovery Life, and Deon Beachen, Director: Private Clients at ENSafrica, unpack the real costs of settling an estate and managing trusts. Key takeaway: Why cash, in the form of life insurance policies or savings, is the key to a solvent estate.<br />
 <br />
Own What’s Yours is brought to you by Discovery. The series focuses on holistic estate planning by exploring key topics with industry experts to empower and educate consumers. For more information, visit www.discovery.co.za or speak to your financial adviser. ]]></description>
					<category>Education</category>
				<pubDate>Fri, 26 Jun 2026 13:46:00 +0200</pubDate>
				<podcast:season>0</podcast:season>
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						<itunes:title>The cost of winding up an estate</itunes:title>
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		<itunes:summary><![CDATA[The cost of living is rising – but so is the cost of winding up an estate. In this episode, Harry Joffe, Head of Legal Services at Discovery Life, and Deon Beachen, Director: Private Clients at ENSafrica, unpack the real costs of settling an estate and managing trusts. Key takeaway: Why cash, in the form of life insurance policies or savings, is the key to a solvent estate.
 
Own What’s Yours is brought to you by Discovery. The series focuses on holistic estate planning by exploring key topics with industry experts to empower and educate consumers. For more information, visit www.discovery.co.za or speak to your financial adviser.]]></itunes:summary>
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		<title>The legal and practical reasons you need a will in South Africa</title>
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		<description><![CDATA[If you don’t have a Will or are unsure why you need one, you need to listen to Own What’s Yours, brought to you by Discovery. The idea of estate planning, or getting your affairs in order, may be intimidating. But Harry Joffe, Head of Legal Services at Discovery Life, and his guests remove the guesswork with simple and practical advice.<br />
 <br />
In this episode, Harry speaks to Chris Murphy, Director at Legacy Fiduciary Services. They discuss the legal frameworks required for a valid professional Will, and how to address your personal and financial circumstances so your loved ones — familial and otherwise — are protected. ]]></description>
					<category>Education</category>
				<pubDate>Fri, 05 Jun 2026 12:39:00 +0200</pubDate>
				<podcast:season>0</podcast:season>
		<podcast:episode>0</podcast:episode>
						<itunes:title>The legal and practical reasons you need a will in South Africa</itunes:title>
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		<itunes:episode>0</itunes:episode>
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		<itunes:summary><![CDATA[If you don’t have a Will or are unsure why you need one, you need to listen to Own What’s Yours, brought to you by Discovery. The idea of estate planning, or getting your affairs in order, may be intimidating. But Harry Joffe, Head of Legal Services at Discovery Life, and his guests remove the guesswork with simple and practical advice.
 
In this episode, Harry speaks to Chris Murphy, Director at Legacy Fiduciary Services. They discuss the legal frameworks required for a valid professional Will, and how to address your personal and financial circumstances so your loved ones — familial and otherwise — are protected.]]></itunes:summary>
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