Retirement is not a single event, but a sequence of interlinked decisions involving tax, cash flow, lump sums, fund transfers, annuity selection and estate planning. This article sets out the nine steps retirees should follow...
When one income supports an entire family, financial planning must be designed to absorb disruption. From income protection and life cover to estate planning, liquidity and retirement savings, single parents need a coordinated financial structure that protects their children and
In South Africa, spouses have a reciprocal duty of support towards one another. This means that each spouse, according to their respective means, may be required to contribute towards the reasonable needs of the other.
Cash is essential for short-term resilience, but it is not a long-term wealth strategy. In this article, we unpack why the phrase ‘cash is king’ needs context, when cash is the right tool, when debt can be productive, and why
Dementia planning is about preserving dignity, continuity and control before cognitive decline creates conflict or financial vulnerability. By mapping decision rights, strengthening governance, managing digital risks and putting practical safeguards in place early, families can protect both the person and
Financial independence is often viewed as a number, but real independence is better measured by the options your money creates. From career flexibility and retirement choices to resilience during uncertainty, true wealth lies in having the freedom to make decisions
Changing jobs is a critical financial inflection point, particularly when it comes to deciding what to do with your accumulated retirement savings. Preservation funds can provide a tax-efficient way to keep your capital invested and protected until retirement, but their
The best investing rarely feels exciting — and that is often the point. A well-constructed portfolio should be disciplined, diversified and designed to fund real-life goals over time, rather than provide entertainment or react to every market headline.
Risk cannot be eliminated, but it can be understood, priced and managed. In this article, we explore why the most resilient investors are not those who avoid risk, but those who build disciplined, well-structured plans that can withstand it.
Retirement accommodation is far more than a property decision. Whether you choose to stay in your home, buy into a life rights development, purchase in a retirement estate, or rent, the right choice should support your independence, lifestyle, safety, healthcare
