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      <image:title>Why a standalone Ebook website?</image:title>
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    <loc>https://noelwhittakerebooks.com.au/blogs/news/bring-the-grind-to-a-halt-how-soon-can-you-retire</loc>
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      <image:title>Bring the grind to a halt. How soon can you retire?</image:title>
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    <loc>https://noelwhittakerebooks.com.au/blogs/news/estate-planning-made-simple</loc>
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      <image:title>Estate Planning Made Simple</image:title>
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    <loc>https://noelwhittakerebooks.com.au/blogs/news/superannuation-changes-2025-2026-what-every-australian-needs-to-know</loc>
    <lastmod>2026-06-20T15:45:14+10:00</lastmod>
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      <image:title>Superannuation Changes 2025-2026: What Every Australian Needs to Know</image:title>
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    <lastmod>2026-08-30T11:01:41+10:00</lastmod>
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      <image:title>Noel in the News: the investment that sidesteps the new tax traps</image:title>
      <image:caption>Noel in the News - Noel Whittaker&apos;s latest columns summarised</image:caption>
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    <loc>https://noelwhittakerebooks.com.au/blogs/news/am-i-on-track-a-20-minute-retirement-check-up-for-anyone-over-45</loc>
    <lastmod>2026-09-01T07:16:12+10:00</lastmod>
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      <image:title>Am I on track? A 20-minute retirement check-up for anyone over 45</image:title>
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    <loc>https://noelwhittakerebooks.com.au/blogs/news/noel-in-the-news-the-new-tax-on-death-divorce-and-disaster</loc>
    <lastmod>2026-08-31T08:01:52+10:00</lastmod>
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      <image:title>Noel in the News: the new tax on death, divorce and disaster</image:title>
      <image:caption>Noel in the News - Noel Whittaker&apos;s latest columns summarised</image:caption>
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    <loc>https://noelwhittakerebooks.com.au/blogs/news/how-much-super-is-enough-the-honest-answer-for-australians-in-their-50s</loc>
    <lastmod>2026-09-01T07:17:04+10:00</lastmod>
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      <image:title>How much super is &apos;enough&apos;? The honest answer for Australians in their 50s</image:title>
      <image:caption>Couple in their 50s looking out at the ocean - How much super is enough for you?</image:caption>
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    <loc>https://noelwhittakerebooks.com.au/blogs/news/noel-in-the-news-the-tax-you-can-owe-without-selling-a-thing</loc>
    <lastmod>2026-09-01T06:42:57+10:00</lastmod>
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      <image:title>Noel in the News: the tax you can owe without selling a thing</image:title>
      <image:caption>Noel in the News - Noel Whittaker&apos;s latest columns summarised</image:caption>
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  <url>
    <loc>https://noelwhittakerebooks.com.au/blogs/news/started-late-why-your-50s-are-still-the-most-powerful-decade-for-your-super</loc>
    <lastmod>2026-09-01T07:09:21+10:00</lastmod>
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      <image:title>Started late? Why your 50s are still the most powerful decade for your super</image:title>
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    <loc>https://noelwhittakerebooks.com.au/blogs/news/noel-in-the-news-a-smarter-way-to-invest-for-the-grandkids</loc>
    <lastmod>2026-09-02T06:13:41+10:00</lastmod>
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      <image:title>Noel in the News: a smarter way to invest for the grandkids</image:title>
      <image:caption>Noel in the News - Noel Whittaker&apos;s latest columns summarised</image:caption>
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  <url>
    <loc>https://noelwhittakerebooks.com.au/blogs/news/salary-sacrifice-explained-in-plain-english-and-who-it-actually-helps</loc>
    <lastmod>2026-09-02T06:16:34+10:00</lastmod>
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      <image:title>Salary sacrifice explained in plain English (and who it actually helps)</image:title>
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  <url>
    <loc>https://noelwhittakerebooks.com.au/blogs/news/noel-in-the-news-who-pays-the-tax-when-you-inherit-shares-or-property</loc>
    <lastmod>2026-09-03T06:14:03+10:00</lastmod>
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      <image:title>Noel in the News: who pays the tax when you inherit shares or property?</image:title>
      <image:caption>Noel in the News - Noel Whittaker&apos;s latest columns summarised</image:caption>
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  <url>
    <loc>https://noelwhittakerebooks.com.au/blogs/news/super-contribution-caps-how-much-you-can-add-this-year-without-a-tax-sting</loc>
    <lastmod>2026-09-03T06:16:04+10:00</lastmod>
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      <image:title>Super contribution caps: how much you can add this year without a tax sting</image:title>
      <image:caption>A couple in their 50s going through paperwork together at a sunlit kitchen table — How Much Can You Add to Super This Year?</image:caption>
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  <url>
    <loc>https://noelwhittakerebooks.com.au/blogs/news/noel-in-the-news-how-insurance-bonds-actually-work</loc>
    <lastmod>2026-09-04T08:42:56+10:00</lastmod>
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      <image:title>Noel in the News: how insurance bonds actually work</image:title>
      <image:caption>Noel in the News - Noel Whittaker&apos;s latest columns summarised</image:caption>
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  <url>
    <loc>https://noelwhittakerebooks.com.au/blogs/news/multiple-super-funds-heres-what-consolidating-really-saves-you</loc>
    <lastmod>2026-09-04T09:20:47+10:00</lastmod>
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      <image:title>Multiple super funds? Here&apos;s what consolidating really saves you</image:title>
      <image:caption>Paper-craft illustration of warm-coloured streams merging into a single folder, with the headline &apos;What consolidating your super really saves&apos;</image:caption>
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  <url>
    <loc>https://noelwhittakerebooks.com.au/blogs/news/noel-in-the-news-why-an-older-will-might-need-a-fresh-look</loc>
    <lastmod>2026-09-05T06:13:10+10:00</lastmod>
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      <image:title>Noel in the News: why an older will might need a fresh look</image:title>
      <image:caption>Noel in the News - Noel Whittaker&apos;s latest columns summarised</image:caption>
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  <url>
    <loc>https://noelwhittakerebooks.com.au/blogs/news/pay-down-the-mortgage-or-top-up-super-how-to-decide-after-45</loc>
    <lastmod>2026-09-05T06:15:17+10:00</lastmod>
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      <image:title>Pay down the mortgage or top up super? How to decide after 45</image:title>
      <image:caption>A couple going over their finances together at a sunlit kitchen table — Extra cash: mortgage or super?</image:caption>
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  <url>
    <loc>https://noelwhittakerebooks.com.au/blogs/news/noel-in-the-news-retirement-is-about-more-than-the-money</loc>
    <lastmod>2026-09-06T06:49:50+10:00</lastmod>
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      <image:loc>https://cdn.shopify.com/s/files/1/1801/7555/articles/blog-noel-in-the-news_4dfb9923-0ac1-46bb-9c08-058ff2c5ba67.jpg?v=1788641390</image:loc>
      <image:title>Noel in the News: retirement is about more than the money</image:title>
      <image:caption>Noel in the News - Noel Whittaker&apos;s latest columns summarised</image:caption>
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  </url>
  <url>
    <loc>https://noelwhittakerebooks.com.au/blogs/news/closing-the-super-gap-between-partners-three-strategies-that-work</loc>
    <lastmod>2026-09-06T06:59:14+10:00</lastmod>
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      <image:loc>https://cdn.shopify.com/s/files/1/1801/7555/articles/0001-9016721424552564824.jpg?v=1788641954</image:loc>
      <image:title>Closing the super gap between partners: three strategies that work</image:title>
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  <url>
    <loc>https://noelwhittakerebooks.com.au/blogs/news/noel-in-the-news-is-your-super-your-money-or-a-national-asset</loc>
    <lastmod>2026-09-07T06:09:59+10:00</lastmod>
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      <image:title>Noel in the News: is your super your money, or a national asset?</image:title>
      <image:caption>Noel in the News - Noel Whittaker&apos;s latest columns summarised</image:caption>
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  <url>
    <loc>https://noelwhittakerebooks.com.au/blogs/news/sequencing-risk-the-retirement-danger-nobody-warned-you-about</loc>
    <lastmod>2026-09-07T06:10:37+10:00</lastmod>
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      <image:title>Sequencing risk: the retirement danger nobody warned you about</image:title>
      <image:caption>A couple walking along a beach at sunset, with the headline &apos;The retirement risk nobody mentions&apos;</image:caption>
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  <url>
    <loc>https://noelwhittakerebooks.com.au/blogs/news/noel-in-the-news-card-surcharges-vanish-on-1-october-who-really-pays</loc>
    <lastmod>2026-09-08T06:08:27+10:00</lastmod>
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      <image:title>Noel in the News: card surcharges vanish on 1 October — who really pays?</image:title>
      <image:caption>Noel in the News - Noel Whittaker&apos;s latest columns summarised</image:caption>
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  <url>
    <loc>https://noelwhittakerebooks.com.au/blogs/news/age-pension-eligibility-how-the-assets-and-income-tests-really-work</loc>
    <lastmod>2026-09-08T06:12:20+10:00</lastmod>
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      <image:title>Age pension eligibility: how the assets and income tests really work</image:title>
      <image:caption>A couple calmly reviewing paperwork at a sunlit kitchen table — Understanding Age Pension Tests</image:caption>
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  <url>
    <loc>https://noelwhittakerebooks.com.au/blogs/news/noel-in-the-news-the-quiet-case-for-leaving-your-super-alone</loc>
    <lastmod>2026-09-09T06:16:58+10:00</lastmod>
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      <image:loc>https://cdn.shopify.com/s/files/1/1801/7555/articles/blog-noel-in-the-news_d12a0684-d172-4769-8c4c-71e83652fa80.jpg?v=1788898618</image:loc>
      <image:title>Noel in the News: the quiet case for leaving your super alone</image:title>
      <image:caption>Noel in the News - Noel Whittaker&apos;s latest columns summarised</image:caption>
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  </url>
  <url>
    <loc>https://noelwhittakerebooks.com.au/blogs/news/the-switch-that-can-make-your-super-income-tax-free</loc>
    <lastmod>2026-09-09T06:25:00+10:00</lastmod>
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      <image:title>The switch that can make your super income tax-free</image:title>
      <image:caption>A couple in their 50s stepping through a sunlit doorway — the switch that makes super tax-free</image:caption>
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  </url>
  <url>
    <loc>https://noelwhittakerebooks.com.au/blogs/news/noel-in-the-news-the-age-pension-rises-on-20-september</loc>
    <lastmod>2026-09-10T06:09:17+10:00</lastmod>
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      <image:title>Noel in the News: the age pension rises on 20 September</image:title>
      <image:caption>Noel in the News - Noel Whittaker&apos;s latest columns summarised</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://noelwhittakerebooks.com.au/blogs/news/when-can-you-actually-get-your-super-preservation-age-explained</loc>
    <lastmod>2026-09-10T06:12:00+10:00</lastmod>
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      <image:loc>https://cdn.shopify.com/s/files/1/1801/7555/articles/0001-454253044904566187.jpg?v=1788984720</image:loc>
      <image:title>When can you actually get your super? Preservation age explained</image:title>
      <image:caption>A warm sunrise over an Australian bush path with the headline When can you get your super?</image:caption>
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  </url>
  <url>
    <loc>https://noelwhittakerebooks.com.au/blogs/news/noel-in-the-news-the-housing-warning-behind-a-3-2-billion-collapse</loc>
    <lastmod>2026-09-11T06:09:55+10:00</lastmod>
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    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/1801/7555/articles/blog-noel-in-the-news_e5a4e6a5-821e-45ac-a556-a11bfa9bc4b3.jpg?v=1789070995</image:loc>
      <image:title>Noel in the News: the housing warning behind a $3.2 billion collapse</image:title>
      <image:caption>Noel in the News - Noel Whittaker&apos;s latest columns summarised</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://noelwhittakerebooks.com.au/blogs/news/transition-to-retirement-drop-your-hours-without-dropping-your-income</loc>
    <lastmod>2026-09-11T06:10:29+10:00</lastmod>
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    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/1801/7555/articles/0001-6603918439236440192.jpg?v=1789071029</image:loc>
      <image:title>Transition to retirement: drop your hours without dropping your income</image:title>
      <image:caption>A mature couple walking together on a beach at sunset, with the headline &apos;Drop your hours, keep your income - ease off without a pay cut&apos;</image:caption>
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  <url>
    <loc>https://noelwhittakerebooks.com.au/blogs/news/noel-in-the-news-treasury-softens-on-family-trusts-at-a-price</loc>
    <lastmod>2026-09-12T06:10:17+10:00</lastmod>
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      <image:loc>https://cdn.shopify.com/s/files/1/1801/7555/articles/blog-noel-in-the-news_aef50e54-e73a-4ded-8250-a4dcd397e067.jpg?v=1789157417</image:loc>
      <image:title>Noel in the News: Treasury softens on family trusts — at a price</image:title>
      <image:caption>Noel in the News - Noel Whittaker&apos;s latest columns summarised</image:caption>
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  <url>
    <loc>https://noelwhittakerebooks.com.au/blogs/news/no-will-at-50-what-actually-happens-to-your-family</loc>
    <lastmod>2026-09-12T06:11:07+10:00</lastmod>
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      <image:loc>https://cdn.shopify.com/s/files/1/1801/7555/articles/0001-3911891865579061797.jpg?v=1789157467</image:loc>
      <image:title>No will at 50? What actually happens to your family</image:title>
      <image:caption>A will document and pen on a desk in warm light, with the headline &apos;What happens if there&apos;s no will?&apos;</image:caption>
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  </url>
  <url>
    <loc>https://noelwhittakerebooks.com.au/blogs/news/noel-in-the-news-the-widows-tax-hiding-in-the-new-cgt-rules</loc>
    <lastmod>2026-09-13T06:08:13+10:00</lastmod>
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      <image:loc>https://cdn.shopify.com/s/files/1/1801/7555/articles/blog-noel-in-the-news_21e0c6bc-1f9f-44d7-ad57-5187818bf415.jpg?v=1789243693</image:loc>
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      <image:caption>Noel in the News - Noel Whittaker&apos;s latest columns summarised</image:caption>
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  </url>
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    <loc>https://noelwhittakerebooks.com.au/blogs/news/your-will-doesnt-control-your-super-heres-what-does</loc>
    <lastmod>2026-09-13T06:11:27+10:00</lastmod>
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      <image:title>Your will doesn&apos;t control your super. Here&apos;s what does</image:title>
      <image:caption>A blank sheet of paper and a pen on a sunlit desk, with the headline Your Will Doesn&apos;t Control Your Super</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://noelwhittakerebooks.com.au/blogs/news/noel-in-the-news-you-can-work-and-still-get-the-age-pension</loc>
    <lastmod>2026-09-14T06:11:24+10:00</lastmod>
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      <image:title>Noel in the News: you can work and still get the age pension</image:title>
      <image:caption>Noel in the News - Noel Whittaker&apos;s latest columns summarised</image:caption>
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  </url>
  <url>
    <loc>https://noelwhittakerebooks.com.au/blogs/news/powers-of-attorney-the-document-you-need-before-you-need-it</loc>
    <lastmod>2026-09-14T06:12:03+10:00</lastmod>
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      <image:title>Powers of attorney: the document you need before you need it</image:title>
      <image:caption>Powers of Attorney Explained — a document, pen and reading glasses on a sunlit kitchen table</image:caption>
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  </url>
  <url>
    <loc>https://noelwhittakerebooks.com.au/blogs/news/noel-in-the-news-why-everyone-suddenly-wants-your-super</loc>
    <lastmod>2026-09-15T06:06:26+10:00</lastmod>
    <changefreq>weekly</changefreq>
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      <image:title>Noel in the News: why everyone suddenly wants your super</image:title>
      <image:caption>Noel in the News - Noel Whittaker&apos;s latest columns summarised</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://noelwhittakerebooks.com.au/blogs/news/keeping-the-peace-how-to-write-a-will-that-doesnt-split-the-family</loc>
    <lastmod>2026-09-16T06:07:36+10:00</lastmod>
    <changefreq>weekly</changefreq>
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      <image:caption>An open notebook and pen on a warm timber kitchen table beside two chairs, with the headline Creating a Will That Unites Your Family</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://noelwhittakerebooks.com.au/blogs/news/noel-in-the-news-why-careful-people-still-lose-money-to-scams</loc>
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    <changefreq>weekly</changefreq>
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      <image:title>Noel in the News: why careful people still lose money to scams</image:title>
      <image:caption>Noel in the News - Noel Whittaker&apos;s latest columns summarised</image:caption>
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  </url>
  <url>
    <loc>https://noelwhittakerebooks.com.au/blogs/news/the-death-tax-on-super-that-catches-most-families-by-surprise</loc>
    <lastmod>2026-09-18T06:09:01+10:00</lastmod>
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      <image:title>The &apos;death tax&apos; on super that catches most families by surprise</image:title>
      <image:caption>Dark editorial banner with the headline &apos;The Super Death Tax Most Families Miss&apos; and the line &apos;What it means when your super goes to your adult kids&apos;</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://noelwhittakerebooks.com.au/blogs/news/noel-in-the-news-your-will-names-the-heirs-but-who-pays-the-tax</loc>
    <lastmod>2026-09-19T06:07:00+10:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/1801/7555/articles/blog-noel-in-the-news_734de23c-3638-4a46-a4fc-7a4d7bd85e45.jpg?v=1789762019</image:loc>
      <image:title>Noel in the News: your will names the heirs, but who pays the tax?</image:title>
      <image:caption>Noel in the News - Noel Whittaker&apos;s latest columns summarised</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://noelwhittakerebooks.com.au/blogs/news/blended-families-and-inheritance-protecting-your-partner-and-your-kids</loc>
    <lastmod>2026-09-20T06:09:45+10:00</lastmod>
    <changefreq>weekly</changefreq>
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      <image:title>Blended families and inheritance: protecting your partner and your kids</image:title>
      <image:caption>Two overlapping circles in soft green and blue beside the headline Protecting Your Partner and Your Kids</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://noelwhittakerebooks.com.au/blogs/news/noel-in-the-news-aged-care-isnt-one-big-bill-its-five</loc>
    <lastmod>2026-09-21T06:06:54+10:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/1801/7555/articles/blog-noel-in-the-news_74654a42-1eeb-48a4-869c-cc98eae891b2.jpg?v=1789934814</image:loc>
      <image:title>Noel in the News: aged care isn&apos;t one big bill - it&apos;s five</image:title>
      <image:caption>Noel in the News - Noel Whittaker&apos;s latest columns summarised</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://noelwhittakerebooks.com.au/blogs/news/when-you-become-the-money-manager-for-an-ageing-parent</loc>
    <lastmod>2026-09-22T06:06:39+10:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/1801/7555/articles/0001-6238002100274388382.jpg?v=1790021199</image:loc>
      <image:title>When you become the money manager for an ageing parent</image:title>
      <image:caption>An older couple going through paperwork together at a sunlit kitchen table, with the headline &apos;Managing money for an ageing parent&apos;</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://noelwhittakerebooks.com.au/blogs/news/noel-in-the-news-the-retiree-taxed-at-54-on-her-next-dollar</loc>
    <lastmod>2026-09-23T06:07:47+10:00</lastmod>
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      <image:title>Noel in the News: the retiree taxed at 54% on her next dollar</image:title>
      <image:caption>Noel in the News - Noel Whittaker&apos;s latest columns summarised</image:caption>
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  </url>
  <url>
    <loc>https://noelwhittakerebooks.com.au/blogs/news/aged-care-costs-explained-rads-daps-and-the-family-home</loc>
    <lastmod>2026-09-24T06:10:37+10:00</lastmod>
    <changefreq>weekly</changefreq>
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      <image:title>Aged care costs explained: RADs, DAPs and the family home</image:title>
      <image:caption>A middle-aged man and his mother talking over cups of tea at a sunlit kitchen table, with the headline Aged Care Costs, Explained</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://noelwhittakerebooks.com.au/blogs/news/noel-in-the-news-the-rule-that-keeps-your-old-home-tax-free-for-six-years</loc>
    <lastmod>2026-09-25T06:07:36+10:00</lastmod>
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      <image:title>Noel in the News: the rule that keeps your old home tax-free for six years</image:title>
      <image:caption>Noel in the News - Noel Whittaker&apos;s latest columns summarised</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://noelwhittakerebooks.com.au/blogs/news/should-we-downsize-the-questions-to-answer-before-you-call-an-agent</loc>
    <lastmod>2026-09-26T06:10:29+10:00</lastmod>
    <changefreq>weekly</changefreq>
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      <image:title>Should we downsize? The questions to answer before you call an agent</image:title>
      <image:caption>A couple in their late fifties standing in the sunlit front doorway of their home, with the headline Should We Downsize the Family Home?</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://noelwhittakerebooks.com.au/blogs/news/noel-in-the-news-what-the-label-on-your-super-fund-doesnt-tell-you</loc>
    <lastmod>2026-09-27T06:07:06+10:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
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      <image:title>Noel in the News: what the label on your super fund doesn&apos;t tell you</image:title>
      <image:caption>Noel in the News - Noel Whittaker&apos;s latest columns summarised</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://noelwhittakerebooks.com.au/blogs/news/will-downsizing-cost-you-the-age-pension-how-the-proceeds-are-treated</loc>
    <lastmod>2026-09-28T06:12:45+10:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/1801/7555/articles/0001-4649357951077302224.jpg?v=1790539965</image:loc>
      <image:title>Will downsizing cost you the age pension? How the proceeds are treated</image:title>
      <image:caption>A small sunlit home with an open door at the end of a golden path, with the headline &apos;Thinking of downsizing? Understanding the age pension and your new home&apos;</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://noelwhittakerebooks.com.au/blogs/news/noel-in-the-news-the-records-to-keep-before-the-2027-cgt-reset</loc>
    <lastmod>2026-09-29T06:07:25+10:00</lastmod>
    <changefreq>weekly</changefreq>
    <image:image>
      <image:loc>https://cdn.shopify.com/s/files/1/1801/7555/articles/blog-noel-in-the-news_2cd03788-f2f4-494f-8f8b-b153af25bf65.jpg?v=1790626045</image:loc>
      <image:title>Noel in the News: the records to keep before the 2027 CGT reset</image:title>
      <image:caption>Noel in the News - Noel Whittaker&apos;s latest columns summarised</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://noelwhittakerebooks.com.au/blogs/news/the-downsizer-contribution-300-000-each-into-super-from-your-home-sale</loc>
    <lastmod>2026-10-08T11:54:55+10:00</lastmod>
    <changefreq>weekly</changefreq>
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      <image:title>The downsizer contribution: $300,000 each into super from your home sale</image:title>
      <image:caption>Sunlit empty room with open French doors leading to a garden, beside the headline &apos;Up to $300,000 Each Into Super&apos;</image:caption>
    </image:image>
  </url>
</urlset>
