Sue Torr
A will that was appropriate years ago may no longer reflect your family, assets or intentions. Regular reviews can help prevent unintended inheritances, unsuitable appointments, liquidity problems and unnecessary conflict while ensuring that your broader estate plan remains properly aligned.
Risk is an unavoidable part of financial planning, but not all risk is bad. Some risks should be avoided, others are necessary for long-term growth, and some can be transferred through appropriate insurance. In this article, we unpack how to
Successful wealth transfer requires more than wills, trusts and tax planning. This article explores why families need to prepare heirs for stewardship by building financial understanding, shared values, clear communication and responsible decision-making across generations.
At retirement, the option to take part of your retirement fund as a cash lump sum can be appealing — but it is not always the right decision. Your lump sum election should be weighed against your tax position, income
Retirement planning is about far more than maximising a tax deduction. A sound retirement blueprint must balance tax efficiency with liquidity, sustainable income, healthcare funding, investment growth, estate planning and the flexibility needed to navigate a potentially 30-year retirement.
Retirement planning is not only about whether your money will last. It is also about preparing for the human realities of growing older, including the loss of independence, cognitive decline, digital vulnerability, future care needs, family dynamics, purpose and connection.
A testamentary trust can help protect an inheritance intended for minor children, vulnerable beneficiaries or dependants who may not be able to manage assets themselves. In this article, we explain how testamentary trusts work, why the wording of your will
A practical guide to how South Africa's accrual system operates on divorce, including the role of the ante-nuptial contract, commencement values, excluded assets, property, debt, trusts and the updated treatment of pension interest.
When markets fall, headlines intensify and uncertainty rises, the greatest threat to long-term wealth is often not the market itself, but how investors respond to it. In our latest article, we explore why behavioural discipline, structure and perspective are essential
Many South Africans are financially responsible for a wider circle of people than their formal financial plan reflects. From adult children and ageing parents to siblings, grandchildren and extended family members, these invisible dependants can place pressure on cash flow,
